Citizens Savings Bank
Marshalltown, IA
IDRSSD: 474544
Total Assets
$75.36M
Latest filing
Total Deposits
$62.21M
Latest filing
Net Interest Margin
4.05%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Savings Bank
2414 S 2nd St
Marshalltown, IA 50158
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1907FDIC Certificate 9248
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Savings Bank (Main) | 2414 S 2nd St | Marshalltown, IA |
| LE GRAND BRANCH | 102 E Main St | Le Grand, IA |
| GILMAN BRANCH | 103 S Elm St | Gilman, IA |
Showing 2 of 2
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 | 01/01/1907 |
| 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 | 01/30/2026 |
| CERT | 14785 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $75.36M |
| Total Deposits | $62.21M |
| Total Liabilities | $67.64M |
| Total Equity Capital | $7.73M |
| Net Income | $174.00k |
| Net Loans and Leases | $47.49M |
| Assets Per Employee ($Millions) | $5.38M |
| Bank Premises and Fixed Assets | $1.13M |
| Cash and Balances due from Depository Institutions | $17.01M |
| Deposits Held in Domestic Offices | $62.21M |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 9.06% |
| Net Interest Margin | 4.05% |
| Efficiency Ratio | 76.32% |
| Tier 1 Risk-Based Capital Ratio | 15.014% |
| 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 | 10.253% |
| Earning Assets to total Assets | 93.3% |
Income and Expense
| Total Interest Income | $939.00k |
| Total Noninterest Income | $34.00k |
| Total Interest Expense | $213.00k |
| Total Noninterest Expense | $580.00k |
| Net Interest Income | $726.00k |
| Pre-tax Net Operating Income | $180.00k |
| Provision for Credit Losses | $0 |
| 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 | $5.03M |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.73M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $402.00k |
| Total Liabilities and Capital | $75.36M |
Securities
| Securities | $4.27M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.27M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Savings Bank?
$75.36M as of the latest filing.
How much are Citizens Savings Bank's total deposits?
$62.21M in total deposits.
Where is Citizens Savings Bank located?
Marshalltown, IA.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$47.49M (latest filing).
What is the total interest income (latest filing)?
$939.00k.