PackageTrendsPeer
Letter portraitLegal landscape

Citizens State Bank

Hudson, WI · Cert 6194 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Citizens Bancshares Woodville

State charter, non-member · FDIC · 5 branches

Q2 2026

$488.2MAssets
$401.1MLoans
$410.5MDeposits
$47.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 18 of 53).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 49 of 53).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.20%

Rank 18 of 53

Net Interest Margin

3.70%

Rank 29 of 53

Efficiency Ratio

58.15%

Rank 18 of 53

Equity / Assets

9.65%

Rank 25 of 53

Non-interest income vs. expense

$1.3M$11.2MINCOMEEXPENSE
Unfavorable gap of $9.9M · efficiency ratio beats 68% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 58.15%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.73%1.11%1.30%Beats 66%18 / 53
Return on Equity12.40%7.88%12.20%14.12%Beats 53%25 / 53
Net Interest Margin3.70%3.39%3.77%4.09%Beats 45%29 / 53
Efficiency Ratio58.15%56.05%65.05%71.57%Beats 68%18 / 53
Asset Quality
Nonperforming Loans / Loans0.43%0.14%0.52%1.20%Beats 53%26 / 53
Net Charge-Offs / Loans0.01%0.00%0.01%0.08%Beats 42%32 / 53
Capital
Tier 1 Capital Ratio10.02%10.73%12.98%15.08%Beats 11%47 / 53
Total Risk-Based Capital Ratio10.02%11.49%13.79%16.34%Beats 8%49 / 53
Equity / Assets9.65%8.08%9.25%10.72%Beats 53%25 / 53
Liquidity & Funding
Loans / Deposits97.71%72.13%82.29%93.80%83rd pctl9 / 53
Loans / Assets82.16%63.64%71.80%79.37%87th pctl7 / 53
Brokered Deposits / Depositsn/aNot reported for this institution