Citizens State Bank
Wisner, NE
IDRSSD: 482053
Total Assets
$640.45M
Latest filing
Total Deposits
$578.50M
Latest filing
Net Interest Margin
3.48%
Profitability
Key People
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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 01/30/2026Established 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
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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 | 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 | 80 |
| 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 | 01/30/2026 |
| CERT | 5495 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $640.45M |
| Total Deposits | $578.50M |
| Total Liabilities | $585.40M |
| Total Equity Capital | $55.05M |
| Net Income | $1.94M |
| Net Loans and Leases | $491.80M |
| Assets Per Employee ($Millions) | $8.11M |
| Bank Premises and Fixed Assets | $8.51M |
| Cash and Balances due from Depository Institutions | $3.52M |
| Deposits Held in Domestic Offices | $578.50M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 14.42% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 65.16% |
| Tier 1 Risk-Based Capital Ratio | 11.869% |
| 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 | 8.595% |
| Earning Assets to total Assets | 95.11% |
Income and Expense
| Total Interest Income | $8.75M |
| Total Noninterest Income | $426.00k |
| Total Interest Expense | $3.61M |
| Total Noninterest Expense | $3.63M |
| Net Interest Income | $5.14M |
| Pre-tax Net Operating Income | $1.94M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $927.00k |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.90M |
| Total Liabilities and Capital | $640.45M |
Securities
| Securities | $116.72M |
| Available-for-sale debt securities | $73.24M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $43.32M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank?
$640.45M as of the latest filing.
How much are Citizens State Bank's total deposits?
$578.50M in total deposits.
Where is Citizens State Bank located?
Wisner, NE.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
17.
When was it established?
10/19/1888.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$491.80M (latest filing).
What is the total interest income (latest filing)?
$8.75M.