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Citizens State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 9047

Monticello, IA

8 branches across IA

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 167 in IA.
  • Deposits +4.3% year over year ($537.8M on the books).
  • Delinquency rate 1.48%.
  • Return on assets 1.17%.
  • Efficiency ratio 60.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 60.29% 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 167 in IA
View $100M-$1B leaderboard (IA) →

Citizens State Bank has 1 strength 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

  • + Efficiency Ratio 3.88% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.05% below tier average
  • - ROA 0.15% below tier average
  • - Delinquency Rate 0.56% above 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 (IA) National Avg Tier Percentile
Total Assets ? $594.4M
+5.5% YoY +2.0% QoQ
+$207.8M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
80%
Total Loans ? $324.2M
+7.6% YoY +1.4% QoQ
+$65.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $537.8M
+4.3% YoY +1.4% QoQ
+$211.0M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 1.17%
+149.5% YoY +14.8% QoQ
-0.15% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
45%
Net Interest Margin ? 2.93%
+18.6% YoY +2.6% QoQ
-1.05% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 8.2% in tier
Efficiency Ratio ? 60.60%
-12.1% YoY -6.6% QoQ
-3.88% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 1.48%
-15.7% YoY -3.5% QoQ
+0.56% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 60.29%
+3.2% YoY +0.0% QoQ
-17.66% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 15.87%
+3.6% YoY +9.2% QoQ
-6.16% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 0.84%
-10.7% YoY -3.9% QoQ
+0.17% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 11.48%
+5.4% YoY +1.0% QoQ
-4.43% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.36%
+6.0% YoY +105.0% QoQ
-0.21% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
81%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 15.9%
+0.6pp YoY
+1.3pp QoQ
 -6.3pp 22.1% 17.8% 22.2% 27%
Brokered Deposits 7.5%
-0.6pp YoY
+1.4pp QoQ
 -0.4pp 7.9% 6.0% 8.5% 66%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 11.4%
-0.2pp YoY
-0.3pp QoQ
 -0.1pp 11.6% 12.8% 12.5% 61%
CRE 21.8%
-0.9pp YoY
+1.6pp QoQ
 -17.8pp 39.5% 28.3% 41.4% 21%
1-4 Family 12.7%
+0.7pp YoY
-0.7pp QoQ
 -20.0pp 32.6% 23.0% 31.3% 15%
Consumer 1.4%
-0.4pp YoY
0.0pp QoQ
 -2.7pp 4.1% 2.9% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 11.5%
+0.6pp YoY
+0.1pp QoQ
 -0.7pp 12.2% 12.4% 12.6% 58%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 73
+3 (+4.3%) YoY
+1 (+1.4%) QoQ
 +14 58 64 482 73%
Assets per Employee ($) $8.1M
+1.1% YoY
+0.6% QoQ
 +$624K $7.5M $8.9M $8.8M 70%
Branch Count 8
0 YoY
0 QoQ
 +3 4 5 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.5%
-0.3pp YoY
-0.1pp QoQ
 +0.5pp 0.9% 1.0% 1.0% 82%
Allowance Coverage 0.81x
+21.7% YoY
+4.8% QoQ
 -23.34x 24.15x 18.97x 20.23x 21%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 18.8%
+8.5pp YoY
+1.8pp QoQ
 +6.6pp 12.2% 12.8% 11.6% 84%
Cost of Funds (YTD) 2.3%
-0.4pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 82%
Net Income ($, YTD) $3.5M
+164.5% YoY
— QoQ
 +$912K $2.6M $4.0M $40.4M 75%

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

449
Total Deposits
size
Value: $537.76M
Peer Median: $326.73M
#449 of 2643 Top 17.0% in $100M-$1B
465
Loan-to-Deposit Ratio
liquidity
Value: 60.29%
Peer Median: 77.95%
#465 of 2643 Top 17.6% in $100M-$1B
514
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#514 of 2643 Top 19.4% in $100M-$1B
529
Total Assets
size
Value: $594.40M
Peer Median: $386.57M
#529 of 2643 Top 20.0% in $100M-$1B

Top Weaknesses (2 metrics)

2427
Net Interest Margin
profitability
Value: 2.93%
Peer Median: 3.99%
#2427 of 2643 Bottom 8.2% in $100M-$1B
2139
Delinquency Rate
credit_quality
Value: 1.48%
Peer Median: 0.92%
#2139 of 2633 Bottom 18.8% in $100M-$1B
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