Citizens State Bank
Monticello, IA
IDRSSD: 795548
Total Assets
$570.44M
Latest filing
Total Deposits
$517.74M
Latest filing
Net Interest Margin
2.56%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
117 W 1st St
Monticello, IA 52310
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/11/1931FDIC Certificate 5785
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 117 W 1st St | Monticello, IA |
| PEOPLES MANCHESTER BRANCH | 1218 W Main St | Manchester, IA |
| UNION STRAWBERRY POINT BRANCH | 102 E Mission St | Strawberry Point, IA |
| RYAN BRANCH | 204 Main St | Ryan, IA |
| HOPKINTON BRANCH | First Street | Hopkinton, IA |
| WINTHROP BRANCH | 101 W Madison St | Winthrop, IA |
| NEW VIENNA SAVINGS BANK BRANCH | 7352 Columbus St | New Vienna, IA |
| SPRINGVILLE BRANCH | 607 6th St S | Springville, IA |
Showing 7 of 7
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 | 03/11/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52310 |
| State and County Number | 19105 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| 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 | 70 |
| Domestic Offices | 8 |
| 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.mycsb.bank |
| Data Updated | 11/14/2025 |
| CERT | 9047 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $570.44M |
| Total Deposits | $517.74M |
| Total Liabilities | $538.95M |
| Total Equity Capital | $31.49M |
| Net Income | $1.13M |
| Net Loans and Leases | $301.39M |
| Assets Per Employee ($Millions) | $8.15M |
| Bank Premises and Fixed Assets | $3.76M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $517.74M |
Key Performance Ratios
| Return on Assets (ROA) | 0.8% |
| Return on Equity (ROE) | 15.57% |
| Net Interest Margin | 2.56% |
| Efficiency Ratio | 68.75% |
| 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 | 5.52% |
| Earning Assets to total Assets | 92.6% |
Income and Expense
| Total Interest Income | $6.84M |
| Total Noninterest Income | $1.00M |
| Total Interest Expense | $3.46M |
| Total Noninterest Expense | $3.19M |
| Net Interest Income | $3.38M |
| Pre-tax Net Operating Income | $1.18M |
| Provision for Credit Losses | $5.00k |
| 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 | $13.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.01M |
| All Other Liabilities | $4.20M |
| Total Liabilities and Capital | $570.44M |
Securities
| Securities | $221.60M |
| Available-for-sale debt securities | $123.27M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $98.35M |
| Subordinated Debt | $0 |
| Trading Account Assets | $4.98M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank?
$570.44M as of the latest filing.
How much are Citizens State Bank's total deposits?
$517.74M in total deposits.
Where is Citizens State Bank located?
Monticello, IA.
What is the Net Interest Margin?
2.56%.
How many domestic offices does it operate?
8.
When was it established?
03/11/1931.
What is the Return on Assets (ROA)?
0.8%.
How much are total loans and leases?
$301.39M (latest filing).
What is the total interest income (latest filing)?
$6.84M.