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Citizens State Bank of Waverly (Incorporated)

Waverly, MN · Cert 9337 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=57)

FDIC · 2 branches

Q4 2025

$117.6MAssets
$60.1MLoans
$106.9MDeposits
$10.3MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 27 of 57).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 53 of 57).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.61%

Rank 47 of 57

Net Interest Margin

2.66%

Rank 53 of 57

Efficiency Ratio

71.42%

Rank 44 of 57

Equity / Assets

8.75%

Rank 31 of 57

Non-interest income vs. expense

$0.3M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 25% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 71.42%Peer median 63.8%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.66%0.87%1.14%Beats 18%47 / 57
Return on Equity6.95%6.95%10.16%12.45%Beats 25%43 / 57
Net Interest Margin2.66%3.03%3.51%3.86%Beats 7%53 / 57
Efficiency Ratio71.42%58.53%63.83%71.09%Beats 25%44 / 57
Asset Quality
Nonperforming Loans / Loans2.93%0.13%0.48%1.12%Beats 12%51 / 57
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.13%10.85%12.88%15.50%Beats 86%8 / 57
Total Risk-Based Capital Ratio18.29%11.70%13.82%16.19%Beats 86%8 / 57
Equity / Assets8.75%7.96%8.85%10.57%Beats 46%31 / 57
Liquidity & Funding
Loans / Deposits56.24%70.26%82.86%92.87%14th pctl49 / 57
Loans / Assets51.12%61.75%71.99%77.22%14th pctl49 / 57
Brokered Deposits / Deposits0.00%n/a0.04%4.91%Beats 100%27 / 57