Citizens State Bank

BankRoyal Oak, Michigan
www.micsb.com

Total Assets

$526.6M

Total Deposits

$481.4M

Branches

3

Established

1910

TFS Health Grade

$
D

63.3 / 100

Below average financial health

How we grade

Citizens State Bank is a bank headquartered in Royal Oak, Michigan, established in 1910. With $526.6M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (63.3/100).

Capital & Safety

Tier 1 Capital Ratio
9.01%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.79%

Profitability

Return on Assets (ROA)
1.37%(1%)
Return on Equity (ROE)
16.20%(10%)
Net Interest Margin
4.66%
Efficiency Ratio
48.85%(60%)

Lending & Liquidity

Total Loans
$382.1M
Loan-to-Deposit Ratio
78.44%
Net Charge-Off Ratio
0.16%

Growth

Asset Growth (YoY)
+60.90%
Deposit Growth (YoY)
+62.50%
Net Income
$5.8M

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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