Citizens State Bank

BankCadott, Wisconsin
csbankcadott.com

Total Assets

$254.1M

Total Deposits

$206.6M

Branches

8

Established

1902

TFS Health Grade

$
C-

71.7 / 100

Average financial health

How we grade

Citizens State Bank is a bank headquartered in Cadott, Wisconsin, established in 1902. With $254.1M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C- (71.7/100).

Capital & Safety

Tier 1 Capital Ratio
8.27%(8%)
Total Capital Ratio
12.23%(10%)
Non-Performing Loan Ratio
0.44%

Profitability

Return on Assets (ROA)
0.84%(1%)
Return on Equity (ROE)
10.47%(10%)
Net Interest Margin
4.16%
Efficiency Ratio
69.63%(60%)

Lending & Liquidity

Total Loans
$200.3M
Loan-to-Deposit Ratio
95.50%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+6.93%
Deposit Growth (YoY)
+7.11%
Net Income
$2.0M

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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