Citizens State Bank
Wisner, NE
IDRSSD: 482053
Total Assets
$610.25M
Latest filing
Total Deposits
$553.29M
Latest filing
Net Interest Margin
3.52%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
921 Avenue E
Wisner, NE 68791
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/19/1888FDIC Certificate 3726
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 921 Avenue E | Wisner, NE |
| PLATTSMOUTH WEST BRANCH | 2020 8th Ave | Plattsmouth, NE |
| DOWNTOWN BRANCH | Sixth And Main Streets | Plattsmouth, NE |
| FRIEND BRANCH | 150 Maple St | Friend, NE |
| NEWMAN GROVE BRANCH | 416 Hale Ave | Newman Grove, NE |
| LAUREL BRANCH | 201 Highway 20 S | Laurel, NE |
| WEST POINT OFFICE BRANCH | 109 E Sherman St | West Point, NE |
| PAPILLION BRANCH | 754 Gold Coast Dr | Papillion, NE |
Showing 7 of 16
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 10/19/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68791 |
| State and County Number | 31039 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| 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 | 81 |
| Domestic Offices | 17 |
| 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 | www.citstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 5495 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $610.25M |
| Total Deposits | $553.29M |
| Total Liabilities | $557.52M |
| Total Equity Capital | $52.73M |
| Net Income | $1.89M |
| Net Loans and Leases | $452.44M |
| Assets Per Employee ($Millions) | $7.63M |
| Bank Premises and Fixed Assets | $8.70M |
| Cash and Balances due from Depository Institutions | $9.84M |
| Deposits Held in Domestic Offices | $553.29M |
Key Performance Ratios
| Return on Assets (ROA) | 1.25% |
| Return on Equity (ROE) | 14.73% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 64.85% |
| Tier 1 Risk-Based Capital Ratio | 12.314% |
| 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 | 8.641% |
| Earning Assets to total Assets | 93.84% |
Income and Expense
| Total Interest Income | $8.61M |
| Total Noninterest Income | $444.00k |
| Total Interest Expense | $3.60M |
| Total Noninterest Expense | $3.54M |
| Net Interest Income | $5.01M |
| Pre-tax Net Operating Income | $1.91M |
| 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 | $927.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.23M |
| Total Liabilities and Capital | $610.25M |
Securities
| Securities | $118.67M |
| Available-for-sale debt securities | $73.81M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $44.71M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank?
$610.25M as of the latest filing.
How much are Citizens State Bank's total deposits?
$553.29M in total deposits.
Where is Citizens State Bank located?
Wisner, NE.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
17.
When was it established?
10/19/1888.
What is the Return on Assets (ROA)?
1.25%.
How much are total loans and leases?
$452.44M (latest filing).
What is the total interest income (latest filing)?
$8.61M.