Citizens State Bank
Hudson, WI
IDRSSD: 867856
Total Assets
$470.44M
Latest filing
Total Deposits
$403.65M
Latest filing
Net Interest Margin
3.81%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
375 Stageline Rd
Hudson, WI 54016
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/15/1904FDIC Certificate 4175
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 375 Stageline Rd | Hudson, WI |
| MENOMONIE BRANCH | 1602 Broadway St N | Menomonie, WI |
| WOODVILLE BRANCH | 140 S Main St | Woodville, WI |
| 500 WEST BOULEVARD BRANCH | 500 West Blvd | Roberts, WI |
| ELMWOOD BRANCH | 601 S Main St | Elmwood, WI |
Showing 4 of 4
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 | 07/15/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54016 |
| State and County Number | 55109 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 67 |
| Domestic Offices | 5 |
| 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.csbnet.net |
| Data Updated | 11/14/2025 |
| CERT | 6194 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $470.44M |
| Total Deposits | $403.65M |
| Total Liabilities | $427.20M |
| Total Equity Capital | $43.24M |
| Net Income | $1.39M |
| Net Loans and Leases | $387.22M |
| Assets Per Employee ($Millions) | $7.35M |
| Bank Premises and Fixed Assets | $5.32M |
| Cash and Balances due from Depository Institutions | $27.70M |
| Deposits Held in Domestic Offices | $403.65M |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 13.07% |
| Net Interest Margin | 3.81% |
| Efficiency Ratio | 59.32% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.191% |
| Earning Assets to total Assets | 97.35% |
Income and Expense
| Total Interest Income | $7.02M |
| Total Noninterest Income | $288.00k |
| Total Interest Expense | $2.69M |
| Total Noninterest Expense | $2.74M |
| Net Interest Income | $4.33M |
| Pre-tax Net Operating Income | $1.70M |
| Provision for Credit Losses | $180.00k |
| 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 | $20.68M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.84M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.87M |
| Total Liabilities and Capital | $470.44M |
Securities
| Securities | $42.21M |
| Available-for-sale debt securities | $42.21M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$470.44M as of the latest filing.
How much are Citizens State Bank's total deposits?
$403.65M in total deposits.
Where is Citizens State Bank located?
Hudson, WI.
What is the Net Interest Margin?
3.81%.
How many domestic offices does it operate?
5.
When was it established?
07/15/1904.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$387.22M (latest filing).
What is the total interest income (latest filing)?
$7.02M.