Citizens' Bank of Charleston
Charleston, MO
IDRSSD: 376947
Total Assets
$183.16M
Latest filing
Total Deposits
$146.02M
Latest filing
Net Interest Margin
5.17%
Profitability
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 11/14/2025Established 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 | 11/14/2025 |
| CERT | 17830 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $183.16M |
| Total Deposits | $146.02M |
| Total Liabilities | $146.95M |
| Total Equity Capital | $36.20M |
| Net Income | $997.00k |
| Net Loans and Leases | $146.97M |
| Assets Per Employee ($Millions) | $7.96M |
| Bank Premises and Fixed Assets | $1.41M |
| Cash and Balances due from Depository Institutions | $7.19M |
| Deposits Held in Domestic Offices | $146.02M |
Key Performance Ratios
| Return on Assets (ROA) | 2.22% |
| Return on Equity (ROE) | 11.1% |
| Net Interest Margin | 5.17% |
| Efficiency Ratio | 42.51% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 19.766% |
| Earning Assets to total Assets | 94.84% |
Income and Expense
| Total Interest Income | $2.94M |
| Total Noninterest Income | $229.00k |
| Total Interest Expense | $735.00k |
| Total Noninterest Expense | $1.03M |
| Net Interest Income | $2.20M |
| Pre-tax Net Operating Income | $1.30M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.36M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $934.00k |
| Total Liabilities and Capital | $183.16M |
Securities
| Securities | $17.00M |
| Available-for-sale debt securities | $17.00M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$183.16M as of the latest filing.
How much are Citizens' Bank of Charleston's total deposits?
$146.02M in total deposits.
Where is Citizens' Bank of Charleston located?
Charleston, MO.
What is the Net Interest Margin?
5.17%.
How many domestic offices does it operate?
2.
When was it established?
01/20/1958.
What is the Return on Assets (ROA)?
2.22%.
How much are total loans and leases?
$146.97M (latest filing).
What is the total interest income (latest filing)?
$2.94M.