Citizens State Bank of Loyal
Loyal, WI
IDRSSD: 479446
Total Assets
$309.37M
Latest filing
Total Deposits
$244.88M
Latest filing
Net Interest Margin
3.27%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank of Loyal
400 N Main St
Loyal, WI 54446
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/15/1909FDIC Certificate 4170
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank of Loyal (Main) | 400 N Main St | Loyal, WI |
| GRANTON BRANCH | 110 Maple St | Granton, WI |
| NEILLSVILLE BRANCH | 2 Boon Blvd | Neillsville, WI |
| MARSHFIELD BRANCH | 103 W Mcmillan St | Marshfield, WI |
| SPENCER BRANCH | 302 S Pacific St | Spencer, WI |
Showing 4 of 4
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 | 12/15/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54446 |
| State and County Number | 55019 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| 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 | N/A |
Operational Info
| Number of Employees | 40 |
| Domestic Offices | 5 |
| 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 | http://www.csbloyal.com |
| Data Updated | 01/30/2026 |
| CERT | 6186 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $309.37M |
| Total Deposits | $244.88M |
| Total Liabilities | $278.68M |
| Total Equity Capital | $30.69M |
| Net Income | $805.00k |
| Net Loans and Leases | $176.76M |
| Assets Per Employee ($Millions) | $7.55M |
| Bank Premises and Fixed Assets | $2.86M |
| Cash and Balances due from Depository Institutions | $19.67M |
| Deposits Held in Domestic Offices | $244.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.05% |
| Return on Equity (ROE) | 10.61% |
| Net Interest Margin | 3.27% |
| Efficiency Ratio | 64.87% |
| Tier 1 Risk-Based Capital Ratio | 16.652% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.92% |
| Earning Assets to total Assets | 92.68% |
Income and Expense
| Total Interest Income | $3.66M |
| Total Noninterest Income | $338.00k |
| Total Interest Expense | $1.34M |
| Total Noninterest Expense | $1.73M |
| Net Interest Income | $2.32M |
| Pre-tax Net Operating Income | $904.00k |
| Provision for Credit Losses | $30.00k |
| 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 | $29.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $898.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.80M |
| Total Liabilities and Capital | $309.37M |
Securities
| Securities | $94.69M |
| Available-for-sale debt securities | $87.25M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $7.43M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank of Loyal?
$309.37M as of the latest filing.
How much are Citizens State Bank of Loyal's total deposits?
$244.88M in total deposits.
Where is Citizens State Bank of Loyal located?
Loyal, WI.
What is the Net Interest Margin?
3.27%.
How many domestic offices does it operate?
5.
When was it established?
12/15/1909.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$176.76M (latest filing).
What is the total interest income (latest filing)?
$3.66M.