Citizens Bank
New Haven, MO
IDRSSD: 1001853
Total Assets
$350.18M
Latest filing
Total Deposits
$300.44M
Latest filing
Net Interest Margin
4.24%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank
100 Circle Dr
New Haven, MO 63068
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 9053
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank (Main) | 100 Circle Dr | New Haven, MO |
| GERALD BRANCH | 725 W Springfield Ave | Gerald, MO |
| WEST OSAGE BRANCH | 2245 W Osage St | Pacific, MO |
| WASHINGTON BRANCH | 1451 High St | Washington, MO |
Showing 3 of 3
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 | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63068 |
| State and County Number | 29071 |
| 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 | St. Louis, MO-IL |
Operational Info
| Number of Employees | 64 |
| Domestic Offices | 4 |
| 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 | 06/19/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbankmo.bank |
| Data Updated | 01/30/2026 |
| CERT | 14488 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $350.18M |
| Total Deposits | $300.44M |
| Total Liabilities | $304.26M |
| Total Equity Capital | $45.92M |
| Net Income | $982.00k |
| Net Loans and Leases | $313.02M |
| Assets Per Employee ($Millions) | $5.65M |
| Bank Premises and Fixed Assets | $1.52M |
| Cash and Balances due from Depository Institutions | $14.14M |
| Deposits Held in Domestic Offices | $300.44M |
Key Performance Ratios
| Return on Assets (ROA) | 1.1% |
| Return on Equity (ROE) | 8.64% |
| Net Interest Margin | 4.24% |
| Efficiency Ratio | 68.65% |
| Tier 1 Risk-Based Capital Ratio | 14.275% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.113% |
| Earning Assets to total Assets | 94.66% |
Income and Expense
| Total Interest Income | $5.31M |
| Total Noninterest Income | $326.00k |
| Total Interest Expense | $1.73M |
| Total Noninterest Expense | $2.69M |
| Net Interest Income | $3.58M |
| Pre-tax Net Operating Income | $1.23M |
| Provision for Credit Losses | $-8,000 |
| 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 | $3.49M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.83M |
| Total Liabilities and Capital | $350.18M |
Securities
| Securities | $7.07M |
| Available-for-sale debt securities | $7.07M |
| 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?
$350.18M as of the latest filing.
How much are Citizens Bank's total deposits?
$300.44M in total deposits.
Where is Citizens Bank located?
New Haven, MO.
What is the Net Interest Margin?
4.24%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$313.02M (latest filing).
What is the total interest income (latest filing)?
$5.31M.