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Citizens Savings Bank

Spillville, IA
IDRSSD: 544447
Total Assets
$141.92M
Latest filing
Total Deposits
$116.91M
Latest filing
Net Interest Margin
2.16%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1908
Community BankYes
Ownership TypeNot Mutual
ZIP52168
State and County Number19191
Subchapter S CorporationsNo
Trust PowersTrust Powers Grandfathered
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees13
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.bankingwithcsb.com
Data Updated11/14/2025
CERT12128
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$141.92M
Total Deposits$116.91M
Total Liabilities$127.87M
Total Equity Capital$14.05M
Net Income$202.00k
Net Loans and Leases$66.09M
Assets Per Employee ($Millions)$11.83M
Bank Premises and Fixed Assets$386.00k
Cash and Balances due from Depository Institutions$1.63M
Deposits Held in Domestic Offices$116.91M

Key Performance Ratios

Return on Assets (ROA)0.58%
Return on Equity (ROE)6.19%
Net Interest Margin2.16%
Efficiency Ratio65.43%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.903%
Earning Assets to total Assets94.27%

Income and Expense

Total Interest Income$1.58M
Total Noninterest Income$44.00k
Total Interest Expense$866.00k
Total Noninterest Expense$494.00k
Net Interest Income$711.00k
Pre-tax Net Operating Income$261.00k
Provision for Credit Losses$0
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$10.05M
Federal Funds Sold & Reverse Repurchase Agreement$34.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$912.00k
Total Liabilities and Capital$141.92M

Securities

Securities$67.21M
Available-for-sale debt securities$67.21M
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 Savings Bank?
$141.92M as of the latest filing.
How much are Citizens Savings Bank's total deposits?
$116.91M in total deposits.
Where is Citizens Savings Bank located?
Spillville, IA.
What is the Net Interest Margin?
2.16%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
0.58%.
How much are total loans and leases?
$66.09M (latest filing).
What is the total interest income (latest filing)?
$1.58M.