Citizens State Bank
Monticello, IA · Cert 9047 · Peer group: banks under $1B in assets in IA (n=134-135) · Herky Hawk Financial Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
$594.4MAssets
$328.1MLoans
$537.8MDeposits
$39.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 79% of banks under $1B in assets in IA (rank 29 of 135).
- Widest gap: equity / assets trails 99% of banks under $1B in assets in IA (rank 133 of 135).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.93%
Rank 100 of 135
Net Interest Margin
2.69%
Rank 119 of 135
Efficiency Ratio
64.24%
Rank 107 of 135
Equity / Assets
6.66%
Rank 133 of 135
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 21% 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 | 0.93% | 0.92% | 1.19% | 1.47% | Beats 26% | 100 / 135 | |
| Return on Equity | 13.99% | 7.99% | 10.26% | 13.14% | Beats 79% | 29 / 135 | |
| Net Interest Margin | 2.69% | 2.95% | 3.41% | 3.73% | Beats 12% | 119 / 135 | |
| Efficiency Ratio | 64.24% | 50.61% | 57.35% | 63.29% | Beats 21% | 107 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.46% | 0.03% | 0.51% | 1.26% | Beats 21% | 107 / 134 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 37% | 85 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 11.48% | 11.23% | 13.31% | 15.45% | Beats 28% | 97 / 135 | |
| Total Risk-Based Capital Ratio | 11.48% | 11.61% | 14.06% | 16.47% | Beats 23% | 104 / 135 | |
| Equity / Assets | 6.66% | 9.87% | 11.05% | 13.07% | Beats 1% | 133 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 61.01% | 68.54% | 81.55% | 91.24% | 15th pctl | 114 / 134 | |
| Loans / Assets | 55.20% | 57.61% | 68.06% | 76.23% | 20th pctl | 108 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |