Citizens' Bank of Charleston

BankCharleston, Missouri
www.citizensbankinfo.bank

Total Assets

$188.8M

Total Deposits

$152.2M

Branches

2

Established

1958

TFS Health Grade

$
C

73.5 / 100

Average financial health

How we grade

Citizens' Bank of Charleston is a bank headquartered in Charleston, Missouri, established in 1958. With $188.8M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio
19.22%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.91%

Profitability

Return on Assets (ROA)
1.97%(1%)
Return on Equity (ROE)
10.23%(10%)
Net Interest Margin
4.87%
Efficiency Ratio
47.38%(60%)

Lending & Liquidity

Total Loans
$139.2M
Loan-to-Deposit Ratio
90.25%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
+1.61%
Deposit Growth (YoY)
+0.47%
Net Income
$3.6M

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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