Citizens State Bank of La Crosse
La Crosse, WI
IDRSSD: 447557
Total Assets
$658.35M
Latest filing
Total Deposits
$517.60M
Latest filing
Net Interest Margin
4.16%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank of La Crosse
620 Main St
La Crosse, WI 54601
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/09/1907FDIC Certificate 997
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank of La Crosse (Main) | 620 Main St | La Crosse, WI |
| ONALASKA BRANCH | 625 Main St | Onalaska, WI |
| EAU CLAIRE BRANCH | 1028 N Hillcrest Pkwy | Altoona, WI |
| CLAYTON BRANCH | 101 S Prentice St | Clayton, WI |
Showing 3 of 3
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 | 12/09/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54601 |
| State and County Number | 55063 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | La Crosse-Onalaska, WI-MN |
Operational Info
| Number of Employees | 86 |
| Domestic Offices | 4 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citizensstatebank.us |
| Data Updated | 01/30/2026 |
| CERT | 1513 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $658.35M |
| Total Deposits | $517.60M |
| Total Liabilities | $577.87M |
| Total Equity Capital | $80.48M |
| Net Income | $4.42M |
| Net Loans and Leases | $532.08M |
| Assets Per Employee ($Millions) | $7.93M |
| Bank Premises and Fixed Assets | $5.00M |
| Cash and Balances due from Depository Institutions | $109.45M |
| Deposits Held in Domestic Offices | $517.60M |
Key Performance Ratios
| Return on Assets (ROA) | 2.67% |
| Return on Equity (ROE) | 22.33% |
| Net Interest Margin | 4.16% |
| Efficiency Ratio | 45.41% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.225% |
| Earning Assets to total Assets | 97.48% |
Income and Expense
| Total Interest Income | $10.33M |
| Total Noninterest Income | $1.68M |
| Total Interest Expense | $3.63M |
| Total Noninterest Expense | $3.81M |
| Net Interest Income | $6.70M |
| Pre-tax Net Operating Income | $4.42M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $652.00k |
| Other borrowed funds | $58.37M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.45M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.90M |
| Total Liabilities and Capital | $658.35M |
Securities
| Securities | $405.00k |
| Available-for-sale debt securities | $405.00k |
| 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 State Bank of La Crosse?
$658.35M as of the latest filing.
How much are Citizens State Bank of La Crosse's total deposits?
$517.60M in total deposits.
Where is Citizens State Bank of La Crosse located?
La Crosse, WI.
What is the Net Interest Margin?
4.16%.
How many domestic offices does it operate?
4.
When was it established?
12/09/1907.
What is the Return on Assets (ROA)?
2.67%.
How much are total loans and leases?
$532.08M (latest filing).
What is the total interest income (latest filing)?
$10.33M.