Citizens Savings Bank

BankClarks Summit, Pennsylvania
citizens-savings.com

Total Assets

$355.2M

Total Deposits

$300.7M

Branches

6

Established

1902

TFS Health Grade

$
C

74.2 / 100

Average financial health

How we grade

Citizens Savings Bank is a bank headquartered in Clarks Summit, Pennsylvania, established in 1902. With $355.2M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (74.2/100).

Capital & Safety

Tier 1 Capital Ratio
15.29%(8%)
Total Capital Ratio
30.98%(10%)
Non-Performing Loan Ratio
0.23%

Profitability

Return on Assets (ROA)
0.25%(1%)
Return on Equity (ROE)
1.69%(10%)
Net Interest Margin
2.51%
Efficiency Ratio
88.93%(60%)

Lending & Liquidity

Total Loans
$291.8M
Loan-to-Deposit Ratio
96.69%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
-1.80%
Deposit Growth (YoY)
-2.73%
Net Income
$885.0K

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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