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Citizens State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 11759

Wyoming, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

Citizens State Bank has 2 strengths but faces 2 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

  • + Efficiency Ratio 2.88% below tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.09% below tier average
  • - Net Interest Margin 0.19% below tier average
Get updates when Citizens State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $136.8M
+7.3% YoY +9.4% QoQ
-$249.3M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
Bottom 10.2% in tier
Total Loans ? $72.3M
-1.9% YoY +3.4% QoQ
-$183.4M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
Bottom 8.2% in tier
Total Deposits ? $111.4M
+7.5% YoY +11.7% QoQ
-$216.6M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
Bottom 9.1% in tier
Return on Assets ? 1.18%
-7.2% YoY -15.8% QoQ
-0.09% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
48%
Net Interest Margin ? 3.75%
+2.4% YoY -3.0% QoQ
-0.19% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
44%
Efficiency Ratio ? 62.41%
+1.6% YoY +3.9% QoQ
-2.88% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
52%
Delinquency Rate ? 0.37%
-88.5% YoY +361.3% QoQ
-0.52% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
52%
Loan-to-Deposit Ratio ? 64.89%
-8.8% YoY -7.5% QoQ
-11.75% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
75%
Non-Interest-Bearing Deposit Share ? 23.01%
-4.8% YoY -4.1% QoQ
+0.99% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
59%
Nonperforming Asset Ratio ? 0.20%
-89.5% YoY +336.0% QoQ
-0.44% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
60%
Tier 1 Capital Ratio ? 17.77%
-2.6% YoY -5.7% QoQ
+1.94% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.04%
+1.5% YoY -82.1% QoQ
-0.24% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
Bottom 11.3% in tier

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 (0)

No matched strength signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

523
Tier 1 Capital Ratio
capital
Value: 17.77%
Peer Median: 15.83%
#523 of 2664 Top 19.6% in $100M-$1B
662
Loan-to-Deposit Ratio
liquidity
Value: 64.89%
Peer Median: 76.64%
#662 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (4 metrics)

2446
Total Loans
size
Value: $72.28M
Peer Median: $255.72M
#2446 of 2664 Bottom 8.2% in $100M-$1B
2422
Total Deposits
size
Value: $111.39M
Peer Median: $327.97M
#2422 of 2664 Bottom 9.1% in $100M-$1B
2394
Total Assets
size
Value: $136.76M
Peer Median: $386.08M
#2394 of 2664 Bottom 10.2% in $100M-$1B
2365
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.28%
#2365 of 2664 Bottom 11.3% in $100M-$1B
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