Citizens' Bank of Charleston
Charleston, MO
IDRSSD: 376947
Total Assets
$188.78M
Latest filing
Total Deposits
$152.23M
Latest filing
Net Interest Margin
5.03%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens' Bank of Charleston
207 E Commercial St
Charleston, MO 63834
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/20/1958FDIC Certificate 11776
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens' Bank of Charleston (Main) | 207 E Commercial St | Charleston, MO |
| CITIZENS BANK | 722 N Martin St | East Prairie, MO |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/20/1958 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63834 |
| State and County Number | 29133 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 02/04/1958 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbankinfo.bank |
| Data Updated | 01/30/2026 |
| CERT | 17830 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $188.78M |
| Total Deposits | $152.23M |
| Total Liabilities | $153.14M |
| Total Equity Capital | $35.64M |
| Net Income | $716.00k |
| Net Loans and Leases | $137.39M |
| Assets Per Employee ($Millions) | $8.21M |
| Bank Premises and Fixed Assets | $1.47M |
| Cash and Balances due from Depository Institutions | $16.50M |
| Deposits Held in Domestic Offices | $152.23M |
Key Performance Ratios
| Return on Assets (ROA) | 1.54% |
| Return on Equity (ROE) | 7.97% |
| Net Interest Margin | 5.03% |
| Efficiency Ratio | 56.69% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.43% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.879% |
| Earning Assets to total Assets | 94.31% |
Income and Expense
| Total Interest Income | $2.95M |
| Total Noninterest Income | $345.00k |
| Total Interest Expense | $736.00k |
| Total Noninterest Expense | $1.45M |
| Net Interest Income | $2.21M |
| Pre-tax Net Operating Income | $907.00k |
| Provision for Credit Losses | $200.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $13.89M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $910.00k |
| Total Liabilities and Capital | $188.78M |
Securities
| Securities | $15.37M |
| Available-for-sale debt securities | $15.37M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens' Bank of Charleston?
$188.78M as of the latest filing.
How much are Citizens' Bank of Charleston's total deposits?
$152.23M in total deposits.
Where is Citizens' Bank of Charleston located?
Charleston, MO.
What is the Net Interest Margin?
5.03%.
How many domestic offices does it operate?
2.
When was it established?
01/20/1958.
What is the Return on Assets (ROA)?
1.54%.
How much are total loans and leases?
$137.39M (latest filing).
What is the total interest income (latest filing)?
$2.95M.