Citizens Savings Bank
Clarks Summit, PA
IDRSSD: 828473
Total Assets
$348.72M
Latest filing
Total Deposits
$294.40M
Latest filing
Net Interest Margin
2.55%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
West View Savings Bank
Pittsburgh, Pennsylvania
→
Assets: $353.81MΔ +0.0%
First United National Bank
Fryburg, Pennsylvania
→
Assets: $357.43MΔ +1.0%
SSB Bank
Pittsburgh, Pennsylvania
→
Assets: $357.62MΔ +1.1%
Commercial Bank and Trust of PA
Latrobe, Pennsylvania
→
Assets: $367.17MΔ +3.8%
Greenville Savings Bank
Greenville, Pennsylvania
→
Assets: $333.65MΔ -5.7%
Altoona First Savings Bank
Altoona, Pennsylvania
→
Assets: $323.73MΔ -8.5%
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 | 61 |
| 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 | 11/14/2025 |
| CERT | 31184 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $348.72M |
| Total Deposits | $294.40M |
| Total Liabilities | $295.84M |
| Total Equity Capital | $52.88M |
| Net Income | $105.00k |
| Net Loans and Leases | $291.02M |
| Assets Per Employee ($Millions) | $6.01M |
| Bank Premises and Fixed Assets | $3.99M |
| Cash and Balances due from Depository Institutions | $5.74M |
| Deposits Held in Domestic Offices | $294.40M |
Key Performance Ratios
| Return on Assets (ROA) | 0.12% |
| Return on Equity (ROE) | 0.8% |
| Net Interest Margin | 2.55% |
| Efficiency Ratio | 95.17% |
| Tier 1 Risk-Based Capital Ratio | 30.328% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.164% |
| Earning Assets to total Assets | 94.89% |
Income and Expense
| Total Interest Income | $3.37M |
| Total Noninterest Income | $260.00k |
| Total Interest Expense | $1.25M |
| Total Noninterest Expense | $2.27M |
| Net Interest Income | $2.12M |
| Pre-tax Net Operating Income | $123.00k |
| Provision for Credit Losses | $-8,000 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.45M |
| Total Liabilities and Capital | $348.72M |
Securities
| Securities | $35.56M |
| Available-for-sale debt securities | $35.42M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $135.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Savings Bank?
$348.72M as of the latest filing.
How much are Citizens Savings Bank's total deposits?
$294.40M in total deposits.
Where is Citizens Savings Bank located?
Clarks Summit, PA.
What is the Net Interest Margin?
2.55%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
0.12%.
How much are total loans and leases?
$291.02M (latest filing).
What is the total interest income (latest filing)?
$3.37M.