Citizens State Bank of Loyal

BankLoyal, Wisconsin
http://www.csbloyal.com

Total Assets

$309.4M

Total Deposits

$244.9M

Branches

5

Established

1909

TFS Health Grade

$
C

76.3 / 100

Average financial health

How we grade

Citizens State Bank of Loyal is a bank headquartered in Loyal, Wisconsin, established in 1909. With $309.4M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C (76.3/100).

Capital & Safety

Tier 1 Capital Ratio
11.33%(8%)
Total Capital Ratio
17.63%(10%)
Non-Performing Loan Ratio
0.02%

Profitability

Return on Assets (ROA)
0.99%(1%)
Return on Equity (ROE)
10.69%(10%)
Net Interest Margin
3.04%
Efficiency Ratio
64.91%(60%)

Lending & Liquidity

Total Loans
$178.7M
Loan-to-Deposit Ratio
72.18%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+2.06%
Deposit Growth (YoY)
+0.56%
Net Income
$3.0M

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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