Citizens State Bank
Cadott, WI
IDRSSD: 149150
Total Assets
$241.95M
Latest filing
Total Deposits
$198.62M
Latest filing
Net Interest Margin
4.16%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
304 N Main St
Cadott, WI 54727
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/20/1902FDIC Certificate 1619
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 304 N Main St | Cadott, WI |
| CHIPPEWA FALLS BRANCH | 15036 Cty Hwy S | Chippewa Falls, WI |
| SOUTHRIDGE AVENUE BRANCH | 505 S Main St | Cadott, WI |
| LAKE WISSOTA BRANCH | 17153 County Highway J | Chippewa Falls, WI |
| PRENTICE BRANCH | 450 Center St | Prentice, WI |
| STRATFORD BRANCH | 212001 State Highway 97 | Stratford, WI |
| CORNELL BRANCH | 221 Bridge St | Cornell, WI |
| STANLEY BRANCH | 118 N Broadway St | Stanley, WI |
Showing 7 of 7
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 | 08/20/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54727 |
| State and County Number | 55017 |
| Subchapter S Corporations | No |
| 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 | Eau Claire, WI |
Operational Info
| Number of Employees | 50 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/08/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | csbankcadott.com |
| Data Updated | 11/14/2025 |
| CERT | 2467 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $241.95M |
| Total Deposits | $198.62M |
| Total Liabilities | $222.18M |
| Total Equity Capital | $19.77M |
| Net Income | $537.00k |
| Net Loans and Leases | $192.93M |
| Assets Per Employee ($Millions) | $5.04M |
| Bank Premises and Fixed Assets | $3.49M |
| Cash and Balances due from Depository Institutions | $12.21M |
| Deposits Held in Domestic Offices | $198.62M |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 11.05% |
| Net Interest Margin | 4.16% |
| Efficiency Ratio | 71.53% |
| Tier 1 Risk-Based Capital Ratio | 11.143% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.173% |
| Earning Assets to total Assets | 95.22% |
Income and Expense
| Total Interest Income | $3.40M |
| Total Noninterest Income | $297.00k |
| Total Interest Expense | $1.04M |
| Total Noninterest Expense | $1.90M |
| Net Interest Income | $2.35M |
| Pre-tax Net Operating Income | $665.00k |
| Provision for Credit Losses | $90.00k |
| 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 | $22.25M |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.31M |
| Total Liabilities and Capital | $241.95M |
Securities
| Securities | $28.92M |
| Available-for-sale debt securities | $28.90M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$241.95M as of the latest filing.
How much are Citizens State Bank's total deposits?
$198.62M in total deposits.
Where is Citizens State Bank located?
Cadott, WI.
What is the Net Interest Margin?
4.16%.
How many domestic offices does it operate?
8.
When was it established?
08/20/1902.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$192.93M (latest filing).
What is the total interest income (latest filing)?
$3.40M.