Citizens Savings Bank
Spillville, IA
IDRSSD: 544447
Total Assets
$144.78M
Latest filing
Total Deposits
$123.62M
Latest filing
Net Interest Margin
2.16%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Savings Bank
101 Church St
Spillville, IA 52168
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1908FDIC Certificate 7706
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Savings Bank (Main) | 101 Church St | Spillville, IA |
| FORT ATKINSON BRANCH | 104 4th St Nw | Fort Atkinson, IA |
| PROTIVIN BRANCH | 109 N Main St | Protivin, 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 | 01/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52168 |
| State and County Number | 19191 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| 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 | N/A |
Operational Info
| Number of Employees | 12 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankingwithcsb.com |
| Data Updated | 01/30/2026 |
| CERT | 12128 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $144.78M |
| Total Deposits | $123.62M |
| Total Liabilities | $129.35M |
| Total Equity Capital | $15.43M |
| Net Income | $156.00k |
| Net Loans and Leases | $66.40M |
| Assets Per Employee ($Millions) | $12.06M |
| Bank Premises and Fixed Assets | $382.00k |
| Cash and Balances due from Depository Institutions | $5.05M |
| Deposits Held in Domestic Offices | $123.62M |
Key Performance Ratios
| Return on Assets (ROA) | 0.44% |
| Return on Equity (ROE) | 4.23% |
| Net Interest Margin | 2.16% |
| Efficiency Ratio | 81.46% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 10.656% |
| Earning Assets to total Assets | 95% |
Income and Expense
| Total Interest Income | $1.61M |
| Total Noninterest Income | $23.00k |
| Total Interest Expense | $876.00k |
| Total Noninterest Expense | $615.00k |
| Net Interest Income | $732.00k |
| Pre-tax Net Operating Income | $140.00k |
| 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 | $4.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $295.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $930.00k |
| Total Liabilities and Capital | $144.78M |
Securities
| Securities | $67.25M |
| Available-for-sale debt securities | $67.25M |
| 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 Savings Bank?
$144.78M as of the latest filing.
How much are Citizens Savings Bank's total deposits?
$123.62M 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)?
0.44%.
How much are total loans and leases?
$66.40M (latest filing).
What is the total interest income (latest filing)?
$1.61M.