Citizens State Bank of Waverly, Inc.
Waverly, MN
IDRSSD: 213958
Total Assets
$117.59M
Latest filing
Total Deposits
$106.88M
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 Waverly, Inc.
609 Pacific Ave
Waverly, MN 55390
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1907FDIC Certificate 5989
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank of Waverly, Inc. (Main) | 609 Pacific Ave | Waverly, MN |
| DETACHED FACILITY | 145 Nelson Blvd | Montrose, MN |
Showing 1 of 1
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 | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55390 |
| State and County Number | 27171 |
| 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 | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 16 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/31/2012 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankwaverly.com |
| Data Updated | 01/30/2026 |
| CERT | 9337 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $117.59M |
| Total Deposits | $106.88M |
| Total Liabilities | $107.30M |
| Total Equity Capital | $10.29M |
| Net Income | $249.00k |
| Net Loans and Leases | $59.41M |
| Assets Per Employee ($Millions) | $7.35M |
| Bank Premises and Fixed Assets | $1.60M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $106.88M |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 9.96% |
| Net Interest Margin | 3.36% |
| Efficiency Ratio | 68.2% |
| Tier 1 Risk-Based Capital Ratio | 17.128% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.747% |
| Earning Assets to total Assets | 92.51% |
Income and Expense
| Total Interest Income | $1.28M |
| Total Noninterest Income | $95.00k |
| Total Interest Expense | $374.00k |
| Total Noninterest Expense | $684.00k |
| Net Interest Income | $908.00k |
| Pre-tax Net Operating Income | $284.00k |
| Provision for Credit Losses | $35.00k |
| 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 | $425.00k |
| Total Liabilities and Capital | $117.59M |
Securities
| Securities | $38.58M |
| Available-for-sale debt securities | $34.86M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.72M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank of Waverly, Inc.?
$117.59M as of the latest filing.
How much are Citizens State Bank of Waverly, Inc.'s total deposits?
$106.88M in total deposits.
Where is Citizens State Bank of Waverly, Inc. located?
Waverly, MN.
What is the Net Interest Margin?
3.36%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$59.41M (latest filing).
What is the total interest income (latest filing)?
$1.28M.