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Citizens State Bank of La Crosse

La Crosse, WI
IDRSSD: 447557
Total Assets
$663.52M
Latest filing
Total Deposits
$540.69M
Latest filing
Net Interest Margin
4.05%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date12/09/1907
Community BankYes
Ownership TypeNot Mutual
ZIP54601
State and County Number55063
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameLa Crosse-Onalaska, WI-MN

Operational Info

Number of Employees82
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.citizensstatebank.us
Data Updated11/14/2025
CERT1513
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$663.52M
Total Deposits$540.69M
Total Liabilities$585.70M
Total Equity Capital$77.82M
Net Income$4.70M
Net Loans and Leases$544.92M
Assets Per Employee ($Millions)$7.72M
Bank Premises and Fixed Assets$5.05M
Cash and Balances due from Depository Institutions$101.61M
Deposits Held in Domestic Offices$540.69M

Key Performance Ratios

Return on Assets (ROA)2.83%
Return on Equity (ROE)24.63%
Net Interest Margin4.05%
Efficiency Ratio38.49%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.29%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.728%
Earning Assets to total Assets97.25%

Income and Expense

Total Interest Income$10.32M
Total Noninterest Income$1.89M
Total Interest Expense$3.78M
Total Noninterest Expense$3.25M
Net Interest Income$6.54M
Pre-tax Net Operating Income$4.70M
Provision for Credit Losses$483.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$652.00k
Other borrowed funds$43.37M
Federal Funds Sold & Reverse Repurchase Agreement$2.72M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.64M
Total Liabilities and Capital$663.52M

Securities

Securities$404.00k
Available-for-sale debt securities$404.00k
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 of La Crosse?
$663.52M as of the latest filing.
How much are Citizens State Bank of La Crosse's total deposits?
$540.69M in total deposits.
Where is Citizens State Bank of La Crosse located?
La Crosse, WI.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
4.
When was it established?
12/09/1907.
What is the Return on Assets (ROA)?
2.83%.
How much are total loans and leases?
$544.92M (latest filing).
What is the total interest income (latest filing)?
$10.32M.