Citizens Savings Bank
Spillville, IA · Cert 12128 · Peer group: banks under $1B in assets in IA (n=134-135)
State charter, non-member · FDIC · 3 branches
Q2 2026
$151.1MAssets
$68.6MLoans
$129.2MDeposits
$16.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: net interest margin trails 98% of banks under $1B in assets in IA (rank 132 of 135).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.65%
Rank 121 of 135
Net Interest Margin
2.00%
Rank 132 of 135
Efficiency Ratio
61.27%
Rank 92 of 135
Equity / Assets
10.70%
Rank 77 of 135
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 33% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.92% | 1.19% | 1.47% | Beats 10% | 121 / 135 | |
| Return on Equity | 6.10% | 7.99% | 10.26% | 13.14% | Beats 13% | 118 / 135 | |
| Net Interest Margin | 2.00% | 2.95% | 3.41% | 3.73% | Beats 2% | 132 / 135 | |
| Efficiency Ratio | 61.27% | 50.61% | 57.35% | 63.29% | Beats 33% | 92 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.03% | 0.51% | 1.26% | Beats 72% | 39 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 15.54% | 11.23% | 13.31% | 15.45% | Beats 76% | 32 / 135 | |
| Total Risk-Based Capital Ratio | 15.54% | 11.61% | 14.06% | 16.47% | Beats 67% | 44 / 135 | |
| Equity / Assets | 10.70% | 9.87% | 11.05% | 13.07% | Beats 43% | 77 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 53.06% | 68.54% | 81.55% | 91.24% | 7th pctl | 124 / 134 | |
| Loans / Assets | 45.38% | 57.61% | 68.06% | 76.23% | 11th pctl | 120 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |