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Citizens State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 2467

Cadott, WI

6 branches across WI

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 110 in WI.
  • Deposits +4.4% year over year ($196.8M on the books).
  • Delinquency rate 1.01%.
  • Return on assets 1.21%.
  • Efficiency ratio 63.52% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.47% 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 110 in WI
View $100M-$1B leaderboard (WI) →

Citizens State Bank has 2 strengths but faces 3 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

  • + Net Interest Margin 0.37% above tier average
  • + Efficiency Ratio 0.96% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 41.9% in tier
  • - Liquidity Strain: Bottom 45.9% in tier
  • - ROA 0.11% below tier average
Get updates when Citizens State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $237.6M
+1.8% YoY -2.1% QoQ
-$149.0M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $197.7M
+3.8% YoY +2.3% QoQ
-$60.6M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $196.8M
+4.4% YoY +1.1% QoQ
-$129.9M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 1.21%
+52.4% YoY +6.6% QoQ
-0.11% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 4.36%
+7.0% YoY +4.1% QoQ
+0.37% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 63.52%
-8.5% YoY -1.7% QoQ
-0.96% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 1.01%
+120.3% YoY -7.8% QoQ
+0.09% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 100.47%
-0.6% YoY +1.2% QoQ
+22.51% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 9.5% in tier
Non-Interest-Bearing Deposit Share ? 20.70%
-1.6% YoY +6.2% QoQ
-1.33% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 1.02%
+174.3% YoY +8.8% QoQ
+0.35% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
20%
Tier 1 Capital Ratio ? 11.77%
+5.2% YoY +1.5% QoQ
-4.14% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.22%
-16.5% YoY +88.3% QoQ
-0.34% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
57%

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 (WI) National Avg Tier Percentile
Noninterest-Bearing 20.7%
-0.3pp YoY
+1.2pp QoQ
 -1.4pp 22.1% 18.9% 22.2% 48%
Brokered Deposits 0.3%
-2.3pp YoY
-1.9pp QoQ
 -7.5pp 7.9% 9.2% 8.5% 9%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 4.8%
-1.5pp YoY
-2.2pp QoQ
 -6.8pp 11.6% 10.5% 12.5% 18%
CRE 36.7%
-1.2pp YoY
+0.5pp QoQ
 -2.9pp 39.5% 46.4% 41.4% 46%
1-4 Family 40.1%
+2.4pp YoY
-0.3pp QoQ
 +7.5pp 32.6% 32.3% 31.3% 70%
Consumer 1.9%
-0.5pp YoY
-0.2pp QoQ
 -2.2pp 4.1% 2.6% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 11.8%
+0.6pp YoY
+0.2pp QoQ
 -7.1pp 18.8% 15.5% 19.7% 14%
Leverage Ratio 8.8%
+0.5pp YoY
+0.5pp QoQ
 -3.4pp 12.2% 12.6% 12.6% 9%
Total Capital Ratio 13.0%
+0.6pp YoY
+0.2pp QoQ
 -6.9pp 19.9% 16.6% 20.8% 16%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 43
-7 (-14.0%) YoY
+5 (+13.2%) QoQ
 -16 58 134 482 45%
Assets per Employee ($) $5.5M
+18.3% YoY
-13.5% QoQ
 -$2.0M $7.5M $8.2M $8.8M 23%
Branch Count 6
-2 (-25.0%) YoY
-1 (-14.3%) QoQ
 +1 4 9 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.0%
+0.6pp YoY
-0.1pp QoQ
 +0.1pp 0.9% 0.9% 1.0% 72%
Allowance Coverage 1.60x
-47.3% YoY
+9.2% QoQ
 -22.56x 24.15x 56.89x 20.23x 41%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 14.3%
+4.3pp YoY
+0.5pp QoQ
 +2.1pp 12.2% 11.8% 11.6% 64%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
-0.1pp QoQ
 0.0pp 1.7% 1.8% 1.7% 54%
Net Income ($, YTD) $1.5M
+59.5% YoY
— QoQ
 -$1.1M $2.6M $7.9M $40.4M 41%

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 (2)

Credit Risk Growth

risk
#393 of 936 • Bottom 41.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#318 of 691 • Bottom 45.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.47%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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 (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2393
Loan-to-Deposit Ratio
liquidity
Value: 100.47%
Peer Median: 77.95%
#2393 of 2643 Bottom 9.5% in $100M-$1B
2122
Nonperforming Asset Ratio
credit_quality
Value: 1.02%
Peer Median: 0.67%
#2122 of 2643 Bottom 19.8% in $100M-$1B
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