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Citizens State Bank, of Arlington

$100M-$1B Specialty: Agricultural SD FDIC cert 1118

Arlington, SD

3 branches across SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 24 in SD.
  • Deposits +5.2% year over year ($134.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.11%.
  • Efficiency ratio 60.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 24 in SD
View $100M-$1B leaderboard (SD) →

Citizens State Bank, of Arlington has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 27.8% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 4.18% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.05% below tier average
  • - Non-Interest-Bearing Deposit Share 13.81% below tier average
  • - Non-Interest Income / Assets 0.54% below tier average
  • - ROA 0.21% below tier average
Get updates when Citizens State Bank, of Arlington releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $153.2M
+5.5% YoY -1.2% QoQ
-$233.4M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
Bottom 14.9% in tier
Total Loans ? $73.0M
-5.8% YoY -2.3% QoQ
-$185.3M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
Bottom 8.1% in tier
Total Deposits ? $134.9M
+5.2% YoY -1.6% QoQ
-$191.8M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 1.11%
+48.5% YoY +14.8% QoQ
-0.21% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 2.94%
+13.4% YoY +5.2% QoQ
-1.05% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
Bottom 8.4% in tier
Efficiency Ratio ? 60.30%
-13.4% YoY -4.6% QoQ
-4.18% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 54.15%
-10.4% YoY -0.7% QoQ
-23.80% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
Top 11.8% in tier
Non-Interest-Bearing Deposit Share ? 8.22%
+11.8% YoY -3.8% QoQ
-13.81% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
Bottom 7.5% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.74%
-1.7% YoY +0.9% QoQ
-4.17% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.03%
-33.5% YoY +76.2% QoQ
-0.54% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
Bottom 2.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Noninterest-Bearing 8.2%
+0.9pp YoY
-0.3pp QoQ
 -13.9pp 22.1% 23.5% 22.2% 7%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 5.6%
-0.1pp YoY
+0.5pp QoQ
 -5.9pp 11.6% 14.1% 12.5% 24%
CRE 10.6%
-0.3pp YoY
+1.2pp QoQ
 -29.0pp 39.5% 31.5% 41.4% 5%
1-4 Family 8.6%
+0.8pp YoY
+0.1pp QoQ
 -24.0pp 32.6% 14.9% 31.3% 9%
Consumer 2.9%
0.0pp YoY
0.0pp QoQ
 -1.2pp 4.1% 8.5% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.6% 19.7% n/a
Leverage Ratio 11.7%
-0.2pp YoY
+0.1pp QoQ
 -0.4pp 12.2% 11.9% 12.6% 62%
Total Capital Ratio n/a n/a 19.9% 18.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 17
+1 (+6.2%) YoY
+1 (+6.2%) QoQ
 -42 58 6,279 482 7%
Assets per Employee ($) $9.0M
-0.7% YoY
-7.0% QoQ
 +$1.5M $7.5M $8.1M $8.8M 79%
Branch Count 3
0 YoY
0 QoQ
 -2 4 92 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 96.54x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.7% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 10.0%
+3.0pp YoY
+1.3pp QoQ
 -2.2pp 12.2% 12.4% 11.6% 37%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 63%
Net Income ($, YTD) $848,000
+60.6% YoY
— QoQ
 -$1.7M $2.6M $418.8M $40.4M 22%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#184 of 659 • Top 27.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
312
Loan-to-Deposit Ratio
liquidity
Value: 54.15%
Peer Median: 77.95%
#312 of 2643 Top 11.8% in $100M-$1B

Top Weaknesses (6 metrics)

2570
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.57%
#2570 of 2643 Bottom 2.8% in $100M-$1B
2446
Non-Interest-Bearing Deposit Share
funding
Value: 8.22%
Peer Median: 22.03%
#2446 of 2643 Bottom 7.5% in $100M-$1B
2430
Total Loans
size
Value: $73.05M
Peer Median: $258.35M
#2430 of 2643 Bottom 8.1% in $100M-$1B
2423
Net Interest Margin
profitability
Value: 2.94%
Peer Median: 3.99%
#2423 of 2643 Bottom 8.4% in $100M-$1B
2249
Total Assets
size
Value: $153.20M
Peer Median: $386.57M
#2249 of 2643 Bottom 14.9% in $100M-$1B
2202
Total Deposits
size
Value: $134.90M
Peer Median: $326.73M
#2202 of 2643 Bottom 16.7% in $100M-$1B
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