Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/01/1907
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	50158
State and County Number	19127
Subchapter S Corporations	Yes
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	07
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	Marshalltown, IA

Operational Info

Number of Employees	13
Domestic Offices	3
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	09/02/2025
Date of Deposit Insurance	10/03/1934
Primary Insurance Agency	DIF
Website	www.citizenssavingsbank.com
Data Updated	11/14/2025
CERT	14785
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$78.11M
Total Deposits	$65.18M
Total Liabilities	$70.47M
Total Equity Capital	$7.63M
Net Income	$301.00k
Net Loans and Leases	$48.78M
Assets Per Employee ($Millions)	$6.01M
Bank Premises and Fixed Assets	$1.14M
Cash and Balances due from Depository Institutions	$15.80M
Deposits Held in Domestic Offices	$65.18M

Return on Assets (ROA)	1.54%
Return on Equity (ROE)	15.97%
Net Interest Margin	4.03%
Efficiency Ratio	59.92%
Tier 1 Risk-Based Capital Ratio	14.621%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	9.77%
Earning Assets to total Assets	93.7%

Total Interest Income	$979.00k
Total Noninterest Income	$25.00k
Total Interest Expense	$233.00k
Total Noninterest Expense	$462.00k
Net Interest Income	$746.00k
Pre-tax Net Operating Income	$309.00k
Provision for Credit Losses	$0
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$5.04M
Federal Funds Sold & Reverse Repurchase Agreement	$4.35M
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$262.00k
Total Liabilities and Capital	$78.11M

Securities	$6.29M
Available-for-sale debt securities	$0
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$6.29M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Citizens Savings Bank?

$78.11M as of the latest filing.

How much are Citizens Savings Bank's total deposits?

$65.18M in total deposits.

Where is Citizens Savings Bank located?

Marshalltown, IA.

What is the Net Interest Margin?

4.03%.

How many domestic offices does it operate?

When was it established?

01/01/1907.

What is the Return on Assets (ROA)?

1.54%.

How much are total loans and leases?

$48.78M (latest filing).

What is the total interest income (latest filing)?

$979.00k.