Citizens Savings Bank
Clarks Summit, PA
IDRSSD: 828473
Total Assets
$355.22M
Latest filing
Total Deposits
$300.72M
Latest filing
Net Interest Margin
2.52%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
231375151CLARKS SUMMIT, PA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Savings Bank
500 S State St
Clarks Summit, PA 18411
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1902FDIC Certificate 44018
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Savings Bank (Main) | 500 S State St | Clarks Summit, PA |
| SOUTHSIDE BRANCH | 702 Cedar Ave | Scranton, PA |
| TAYLOR BRANCH | 137 S Main St | Taylor, PA |
| WEST SIDE BRANCH | 156 S Main Ave | Scranton, PA |
| HONESDALE BRANCH | 335 Willow Ave | Honesdale, PA |
| MOUNT POCONO BRANCH | 45 Pocono Blvd | Mount Pocono, PA |
Showing 5 of 5
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 | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 18411 |
| State and County Number | 42069 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 03 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Scranton--Wilkes-Barre, PA |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 6 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | citizens-savings.com |
| Data Updated | 01/30/2026 |
| CERT | 31184 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $355.22M |
| Total Deposits | $300.72M |
| Total Liabilities | $301.92M |
| Total Equity Capital | $53.30M |
| Net Income | $236.00k |
| Net Loans and Leases | $290.76M |
| Assets Per Employee ($Millions) | $6.34M |
| Bank Premises and Fixed Assets | $3.96M |
| Cash and Balances due from Depository Institutions | $9.58M |
| Deposits Held in Domestic Offices | $300.72M |
Key Performance Ratios
| Return on Assets (ROA) | 0.27% |
| Return on Equity (ROE) | 1.78% |
| Net Interest Margin | 2.52% |
| Efficiency Ratio | 87.78% |
| Tier 1 Risk-Based Capital Ratio | 30.393% |
| 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 | 15.004% |
| Earning Assets to total Assets | 94.84% |
Income and Expense
| Total Interest Income | $3.37M |
| Total Noninterest Income | $249.00k |
| Total Interest Expense | $1.26M |
| Total Noninterest Expense | $2.07M |
| Net Interest Income | $2.11M |
| Pre-tax Net Operating Income | $286.00k |
| Provision for Credit Losses | $2.00k |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.20M |
| Total Liabilities and Capital | $355.22M |
Securities
| Securities | $38.48M |
| Available-for-sale debt securities | $38.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $127.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Savings Bank?
$355.22M as of the latest filing.
How much are Citizens Savings Bank's total deposits?
$300.72M in total deposits.
Where is Citizens Savings Bank located?
Clarks Summit, PA.
What is the Net Interest Margin?
2.52%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
0.27%.
How much are total loans and leases?
$290.76M (latest filing).
What is the total interest income (latest filing)?
$3.37M.