Citizens State Bank
Wyoming, IA
IDRSSD: 212344
Total Assets
$123.93M
Latest filing
Total Deposits
$98.44M
Latest filing
Net Interest Margin
4.05%
Profitability
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 | 01/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52362 |
| State and County Number | 19105 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| 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 | Cedar Rapids, IA |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 4 |
| 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 | http://www.csbwyoming.com |
| Data Updated | 11/14/2025 |
| CERT | 11759 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $123.93M |
| Total Deposits | $98.44M |
| Total Liabilities | $101.92M |
| Total Equity Capital | $22.01M |
| Net Income | $506.00k |
| Net Loans and Leases | $74.46M |
| Assets Per Employee ($Millions) | $6.52M |
| Bank Premises and Fixed Assets | $2.97M |
| Cash and Balances due from Depository Institutions | $6.74M |
| Deposits Held in Domestic Offices | $98.44M |
Key Performance Ratios
| Return on Assets (ROA) | 1.61% |
| Return on Equity (ROE) | 9.43% |
| Net Interest Margin | 4.05% |
| Efficiency Ratio | 56.36% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.759% |
| Earning Assets to total Assets | 92.17% |
Income and Expense
| Total Interest Income | $1.69M |
| Total Noninterest Income | $91.00k |
| Total Interest Expense | $520.00k |
| Total Noninterest Expense | $713.00k |
| Net Interest Income | $1.17M |
| Pre-tax Net Operating Income | $530.00k |
| Provision for Credit Losses | $22.00k |
| 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 | $2.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $61.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $686.00k |
| Total Liabilities and Capital | $123.93M |
Securities
| Securities | $36.48M |
| Available-for-sale debt securities | $36.42M |
| 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?
$123.93M as of the latest filing.
How much are Citizens State Bank's total deposits?
$98.44M in total deposits.
Where is Citizens State Bank located?
Wyoming, IA.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
1.61%.
How much are total loans and leases?
$74.46M (latest filing).
What is the total interest income (latest filing)?
$1.69M.