Citizens State Bank of Roseau
Roseau, MN
IDRSSD: 822051
Total Assets
$286.52M
Latest filing
Total Deposits
$251.31M
Latest filing
Net Interest Margin
3.36%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank of Roseau
118 Main Ave S
Roseau, MN 56751
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/03/1905FDIC Certificate 6508
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Citizens State Bank of Roseau (Main) | 118 Main Ave S | Roseau, MN | ||
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 | 05/03/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56751 |
| State and County Number | 27135 |
| 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 | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 35 |
| Domestic Offices | 1 |
| 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.citizensros.com |
| Data Updated | 01/30/2026 |
| CERT | 10167 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $286.52M |
| Total Deposits | $251.31M |
| Total Liabilities | $252.67M |
| Total Equity Capital | $33.85M |
| Net Income | $978.00k |
| Net Loans and Leases | $161.45M |
| Assets Per Employee ($Millions) | $8.19M |
| Bank Premises and Fixed Assets | $872.00k |
| Cash and Balances due from Depository Institutions | $3.92M |
| Deposits Held in Domestic Offices | $251.31M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 11.74% |
| Net Interest Margin | 3.36% |
| Efficiency Ratio | 54.93% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.815% |
| Earning Assets to total Assets | 97.71% |
Income and Expense
| Total Interest Income | $3.46M |
| Total Noninterest Income | $202.00k |
| Total Interest Expense | $1.13M |
| Total Noninterest Expense | $1.39M |
| Net Interest Income | $2.33M |
| Pre-tax Net Operating Income | $991.00k |
| Provision for Credit Losses | $148.00k |
| 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 | $1.35M |
| Total Liabilities and Capital | $286.52M |
Securities
| Securities | $115.47M |
| Available-for-sale debt securities | $60.52M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $54.82M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank of Roseau?
$286.52M as of the latest filing.
How much are Citizens State Bank of Roseau's total deposits?
$251.31M in total deposits.
Where is Citizens State Bank of Roseau located?
Roseau, MN.
What is the Net Interest Margin?
3.36%.
How many domestic offices does it operate?
1.
When was it established?
05/03/1905.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$161.45M (latest filing).
What is the total interest income (latest filing)?
$3.46M.