Citizens State Bank
Wyoming, IA
IDRSSD: 212344
Total Assets
$125.05M
Latest filing
Total Deposits
$99.71M
Latest filing
Net Interest Margin
3.87%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
114 W Main St
Wyoming, IA 52362
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1913FDIC Certificate 7520
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 114 W Main St | Wyoming, IA |
| OXFORD JUNCTION BRANCH | 101 W Broadway St | Oxford Junction, IA |
| OLIN BRANCH | 321 Jackson St | Olin, IA |
| MAQUOKETA BRANCH | 102 E Carlisle | Maquoketa, IA |
Showing 3 of 3
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 | 01/30/2026 |
| CERT | 11759 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $125.05M |
| Total Deposits | $99.71M |
| Total Liabilities | $103.06M |
| Total Equity Capital | $21.99M |
| Net Income | $365.00k |
| Net Loans and Leases | $69.94M |
| Assets Per Employee ($Millions) | $6.58M |
| Bank Premises and Fixed Assets | $2.93M |
| Cash and Balances due from Depository Institutions | $7.00M |
| Deposits Held in Domestic Offices | $99.71M |
Key Performance Ratios
| Return on Assets (ROA) | 1.17% |
| Return on Equity (ROE) | 6.64% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 66.27% |
| 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 | 17.586% |
| Earning Assets to total Assets | 94.34% |
Income and Expense
| Total Interest Income | $1.66M |
| Total Noninterest Income | $63.00k |
| Total Interest Expense | $532.00k |
| Total Noninterest Expense | $786.00k |
| Net Interest Income | $1.12M |
| Pre-tax Net Operating Income | $377.00k |
| Provision for Credit Losses | $23.00k |
| 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 | $2.79M |
| Federal Funds Sold & Reverse Repurchase Agreement | $343.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $562.00k |
| Total Liabilities and Capital | $125.05M |
Securities
| Securities | $42.03M |
| Available-for-sale debt securities | $41.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$125.05M as of the latest filing.
How much are Citizens State Bank's total deposits?
$99.71M in total deposits.
Where is Citizens State Bank located?
Wyoming, IA.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
1.17%.
How much are total loans and leases?
$69.94M (latest filing).
What is the total interest income (latest filing)?
$1.66M.