Citizens Savings Bank

BankSpillville, Iowa
www.bankingwithcsb.com

Total Assets

$144.8M

Total Deposits

$123.6M

Branches

3

Established

1908

TFS Health Grade

$
D-

62.6 / 100

Below average financial health

How we grade

Citizens Savings Bank is a bank headquartered in Spillville, Iowa, established in 1908. With $144.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D- (62.6/100).

Capital & Safety

Tier 1 Capital Ratio
15.55%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.11%

Profitability

Return on Assets (ROA)
0.45%(1%)
Return on Equity (ROE)
4.73%(10%)
Net Interest Margin
2.06%
Efficiency Ratio
73.45%(60%)

Lending & Liquidity

Total Loans
$67.6M
Loan-to-Deposit Ratio
53.71%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
+4.70%
Deposit Growth (YoY)
+6.99%
Net Income
$632.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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