Citizens State Bank
Sheldon, IA
IDRSSD: 413543
Total Assets
$193.16M
Latest filing
Total Deposits
$169.55M
Latest filing
Net Interest Margin
3.23%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
808 3rd Ave
Sheldon, IA 51201
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/15/1961FDIC Certificate 12269
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 808 3rd Ave | Sheldon, IA |
| BOYDEN BRANCH | 817 Main St | Boyden, IA |
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 | 03/15/1961 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51201 |
| State and County Number | 19141 |
| 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 | N/A |
Operational Info
| Number of Employees | 21 |
| Domestic Offices | 2 |
| 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 | 03/15/1961 |
| Primary Insurance Agency | DIF |
| Website | http://www.csbsheldon.com |
| Data Updated | 11/14/2025 |
| CERT | 18356 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $193.16M |
| Total Deposits | $169.55M |
| Total Liabilities | $170.65M |
| Total Equity Capital | $22.51M |
| Net Income | $675.00k |
| Net Loans and Leases | $122.75M |
| Assets Per Employee ($Millions) | $9.2M |
| Bank Premises and Fixed Assets | $756.00k |
| Cash and Balances due from Depository Institutions | $14.73M |
| Deposits Held in Domestic Offices | $169.55M |
Key Performance Ratios
| Return on Assets (ROA) | 1.42% |
| Return on Equity (ROE) | 12.21% |
| Net Interest Margin | 3.23% |
| Efficiency Ratio | 54.28% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.653% |
| Earning Assets to total Assets | 95.57% |
Income and Expense
| Total Interest Income | $2.21M |
| Total Noninterest Income | $121.00k |
| Total Interest Expense | $741.00k |
| Total Noninterest Expense | $877.00k |
| Net Interest Income | $1.47M |
| Pre-tax Net Operating Income | $713.00k |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.10M |
| Total Liabilities and Capital | $193.16M |
Securities
| Securities | $49.74M |
| Available-for-sale debt securities | $28.72M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $20.95M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank?
$193.16M as of the latest filing.
How much are Citizens State Bank's total deposits?
$169.55M in total deposits.
Where is Citizens State Bank located?
Sheldon, IA.
What is the Net Interest Margin?
3.23%.
How many domestic offices does it operate?
2.
When was it established?
03/15/1961.
What is the Return on Assets (ROA)?
1.42%.
How much are total loans and leases?
$122.75M (latest filing).
What is the total interest income (latest filing)?
$2.21M.