Citizens State Bank

BankWisner, Nebraska
www.citstatebank.com

Total Assets

$640.5M

Total Deposits

$578.5M

Branches

17

Established

1888

TFS Health Grade

$
C

76.0 / 100

Average financial health

How we grade

Citizens State Bank is a bank headquartered in Wisner, Nebraska, established in 1888. With $640.5M in total assets and 17 branch locations, it has a TFS Financial Health Grade of C (76.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.40%(8%)
Total Capital Ratio
13.12%(10%)
Non-Performing Loan Ratio
0.16%

Profitability

Return on Assets (ROA)
1.19%(1%)
Return on Equity (ROE)
14.10%(10%)
Net Interest Margin
3.42%
Efficiency Ratio
65.66%(60%)

Lending & Liquidity

Total Loans
$499.1M
Loan-to-Deposit Ratio
85.01%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+9.16%
Deposit Growth (YoY)
+9.13%
Net Income
$7.3M

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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