Citizens State Bank - La Crosse
La Crosse, WI · Cert 1513 · Peer group: banks under $1B in assets in WI (n=110-113) · Clayton Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$648.5MAssets
$546.3MLoans
$513.4MDeposits
$85.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of banks under $1B in assets in WI (rank 6 of 113).
- Widest gap: nonperforming loans / loans trails 78% of banks under $1B in assets in WI (rank 87 of 110).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.32%
Rank 10 of 113
Net Interest Margin
4.13%
Rank 16 of 113
Efficiency Ratio
39.40%
Rank 6 of 113
Equity / Assets
13.13%
Rank 29 of 113
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 96% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.32% | 0.85% | 1.17% | 1.51% | Beats 91% | 10 / 113 | |
| Return on Equity | 17.70% | 7.70% | 10.77% | 13.67% | Beats 92% | 9 / 113 | |
| Net Interest Margin | 4.13% | 3.19% | 3.59% | 3.89% | Beats 86% | 16 / 113 | |
| Efficiency Ratio | 39.40% | 54.61% | 62.43% | 71.88% | Beats 96% | 6 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.03% | 0.24% | 0.91% | Beats 22% | 87 / 110 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 66% | 38 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 13.36% | 11.22% | 12.95% | 15.76% | Beats 56% | 50 / 113 | |
| Total Risk-Based Capital Ratio | 13.36% | 11.57% | 13.59% | 16.73% | Beats 46% | 61 / 113 | |
| Equity / Assets | 13.13% | 9.17% | 10.74% | 13.13% | Beats 74% | 29 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 106.42% | 76.54% | 86.37% | 98.93% | 88th pctl | 14 / 112 | |
| Loans / Assets | 84.24% | 63.07% | 71.33% | 78.84% | 88th pctl | 14 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |