Citizens State Bank
Hudson, WI
IDRSSD: 867856
Total Assets
$477.75M
Latest filing
Total Deposits
$400.82M
Latest filing
Net Interest Margin
3.79%
Profitability
Key People
Loading leadership data...
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 01/30/2026Established 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
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
Similar banks
BLC Community Bank
Little Chute, Wisconsin
→
Assets: $464.59MΔ -1.2%
Oak Bank
Fitchburg, Wisconsin
→
Assets: $482.05MΔ +2.5%
Woodford State Bank
Monroe, Wisconsin
→
Assets: $490.95MΔ +4.4%
First Citizens State Bank
Whitewater, Wisconsin
→
Assets: $491.36MΔ +4.4%
State Bank of Chilton
Chilton, Wisconsin
→
Assets: $493.53MΔ +4.9%
Spring Bank
Brookfield, Wisconsin
→
Assets: $428.56MΔ -8.9%
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 | 64 |
| 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 | 01/30/2026 |
| CERT | 6194 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $477.75M |
| Total Deposits | $400.82M |
| Total Liabilities | $432.95M |
| Total Equity Capital | $44.80M |
| Net Income | $1.37M |
| Net Loans and Leases | $400.08M |
| Assets Per Employee ($Millions) | $7.24M |
| Bank Premises and Fixed Assets | $5.30M |
| Cash and Balances due from Depository Institutions | $19.00M |
| Deposits Held in Domestic Offices | $400.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 12.42% |
| Net Interest Margin | 3.79% |
| Efficiency Ratio | 57.77% |
| 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 | 9.377% |
| Earning Assets to total Assets | 97.43% |
Income and Expense
| Total Interest Income | $6.91M |
| Total Noninterest Income | $281.00k |
| Total Interest Expense | $2.53M |
| Total Noninterest Expense | $2.69M |
| Net Interest Income | $4.38M |
| Pre-tax Net Operating Income | $1.97M |
| 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 | $0 |
| Other borrowed funds | $29.35M |
| Federal Funds Sold & Reverse Repurchase Agreement | $394.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.78M |
| Total Liabilities and Capital | $477.75M |
Securities
| Securities | $47.08M |
| Available-for-sale debt securities | $47.07M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$477.75M as of the latest filing.
How much are Citizens State Bank's total deposits?
$400.82M in total deposits.
Where is Citizens State Bank located?
Hudson, WI.
What is the Net Interest Margin?
3.79%.
How many domestic offices does it operate?
5.
When was it established?
07/15/1904.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$400.08M (latest filing).
What is the total interest income (latest filing)?
$6.91M.