Citizens State Bank
Royal Oak, MI
IDRSSD: 356752
Total Assets
$526.61M
Latest filing
Total Deposits
$481.39M
Latest filing
Net Interest Margin
4.07%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
072414501ROYAL OAK, MI091103505ROYAL OAK, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
32500 Woodward Ave
Royal Oak, MI 48073
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/06/1910FDIC Certificate 5209
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 32500 Woodward Ave | Royal Oak, MI |
| ONTONAGON BRANCH | 501 River Street | Ontonagon, MI |
| FARMINGTON HILLS BRANCH | 31550 Northwestern Hwy | Farmington Hills, MI |
Showing 2 of 2
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 12/06/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48073 |
| State and County Number | 26125 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Detroit-Warren-Dearborn, MI |
Operational Info
| Number of Employees | 55 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.micsb.com |
| Data Updated | 01/30/2026 |
| CERT | 8183 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $526.61M |
| Total Deposits | $481.39M |
| Total Liabilities | $483.59M |
| Total Equity Capital | $43.02M |
| Net Income | $1.71M |
| Net Loans and Leases | $377.61M |
| Assets Per Employee ($Millions) | $10.13M |
| Bank Premises and Fixed Assets | $8.18M |
| Cash and Balances due from Depository Institutions | $66.81M |
| Deposits Held in Domestic Offices | $481.39M |
Key Performance Ratios
| Return on Assets (ROA) | 1.37% |
| Return on Equity (ROE) | 16.49% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 50.07% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.5% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.17% |
| Earning Assets to total Assets | 89.56% |
Income and Expense
| Total Interest Income | $7.21M |
| Total Noninterest Income | $769.00k |
| Total Interest Expense | $2.66M |
| Total Noninterest Expense | $2.66M |
| Net Interest Income | $4.55M |
| Pre-tax Net Operating Income | $2.04M |
| Provision for Credit Losses | $619.00k |
| 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 | $2.67M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.20M |
| Total Liabilities and Capital | $526.61M |
Securities
| Securities | $63.30M |
| Available-for-sale debt securities | $63.30M |
| 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?
$526.61M as of the latest filing.
How much are Citizens State Bank's total deposits?
$481.39M in total deposits.
Where is Citizens State Bank located?
Royal Oak, MI.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
3.
When was it established?
12/06/1910.
What is the Return on Assets (ROA)?
1.37%.
How much are total loans and leases?
$377.61M (latest filing).
What is the total interest income (latest filing)?
$7.21M.