Citizens State Bank
Sheldon, IA · Cert 18356 · Peer group: banks under $1B in assets in IA (n=134-135) · Dixon Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$194.7MAssets
$131.6MLoans
$166.1MDeposits
$24.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: total risk-based capital ratio trails 68% of banks under $1B in assets in IA (rank 92 of 135).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.43%
Rank 45 of 135
Net Interest Margin
3.37%
Rank 71 of 135
Efficiency Ratio
47.61%
Rank 25 of 135
Equity / Assets
12.69%
Rank 38 of 135
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 82% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.92% | 1.19% | 1.47% | Beats 67% | 45 / 135 | | |
| Return on Equity | 11.31% | 7.99% | 10.26% | 13.14% | Beats 62% | 51 / 135 | | |
| Net Interest Margin | 3.37% | 2.95% | 3.41% | 3.73% | Beats 47% | 71 / 135 | | |
| Efficiency Ratio | 47.61% | 50.61% | 57.35% | 63.29% | Beats 82% | 25 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 12.45% | 11.23% | 13.31% | 15.45% | Beats 39% | 82 / 135 | | |
| Total Risk-Based Capital Ratio | 12.45% | 11.61% | 14.06% | 16.47% | Beats 32% | 92 / 135 | | |
| Equity / Assets | 12.69% | 9.87% | 11.05% | 13.07% | Beats 72% | 38 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.25% | 68.54% | 81.55% | 91.24% | 45th pctl | 74 / 134 | | |
| Loans / Assets | 67.63% | 57.61% | 68.06% | 76.23% | 49th pctl | 69 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |