Citizens State Bank of Waverly, Inc.
Waverly, MN
IDRSSD: 213958
Total Assets
$117.92M
Latest filing
Total Deposits
$107.72M
Latest filing
Net Interest Margin
2.98%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank of Waverly, Inc.
609 Pacific Ave
Waverly, MN 55390
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1907FDIC Certificate 5989
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank of Waverly, Inc. (Main) | 609 Pacific Ave | Waverly, MN |
| DETACHED FACILITY | 145 Nelson Blvd | Montrose, MN |
Showing 1 of 1
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 | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55390 |
| State and County Number | 27171 |
| Subchapter S Corporations | Yes |
| 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 | Kansas City |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/31/2012 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankwaverly.com |
| Data Updated | 11/14/2025 |
| CERT | 9337 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $117.92M |
| Total Deposits | $107.72M |
| Total Liabilities | $108.21M |
| Total Equity Capital | $9.71M |
| Net Income | $165.00k |
| Net Loans and Leases | $57.07M |
| Assets Per Employee ($Millions) | $7.37M |
| Bank Premises and Fixed Assets | $1.64M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $107.72M |
Key Performance Ratios
| Return on Assets (ROA) | 0.57% |
| Return on Equity (ROE) | 7.04% |
| Net Interest Margin | 2.98% |
| Efficiency Ratio | 73.2% |
| Tier 1 Risk-Based Capital Ratio | 17.024% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.234% |
| Earning Assets to total Assets | 90.97% |
Income and Expense
| Total Interest Income | $1.16M |
| Total Noninterest Income | $86.00k |
| Total Interest Expense | $375.00k |
| Total Noninterest Expense | $639.00k |
| Net Interest Income | $787.00k |
| Pre-tax Net Operating Income | $186.00k |
| Provision for Credit Losses | $48.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $492.00k |
| Total Liabilities and Capital | $117.92M |
Securities
| Securities | $37.51M |
| Available-for-sale debt securities | $33.75M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $3.76M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank of Waverly, Inc.?
$117.92M as of the latest filing.
How much are Citizens State Bank of Waverly, Inc.'s total deposits?
$107.72M in total deposits.
Where is Citizens State Bank of Waverly, Inc. located?
Waverly, MN.
What is the Net Interest Margin?
2.98%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
0.57%.
How much are total loans and leases?
$57.07M (latest filing).
What is the total interest income (latest filing)?
$1.16M.