Advertisement
Citizens' Bank Of Charleston
Charleston, MO · FDIC Certificate #17830 · Chartered 01/2
Total assets
$185.14M
Total deposits
$146.63M
Total equity
$37.70M
Net loans
$148.82M
Branches (offices)
2
Net income (YTD)
$2.30M
Rank: #3,082 of 4,213 U.S. banks by assets · #129 of 190 in Missouri. Assets changed 5.5% and deposits 5.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.47% |
| Return on equity | 12.57% |
| Net interest margin (YTD) | 4.98% |
| Equity to assets | 20.36% |
| Tier 1 leverage ratio | 20.51% |
| Uninsured deposits (share of deposits) | 9.8% |
| Noncurrent loans (share of loans) | 0.83% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 101.5% |
| Real estate loans (share of loans) | 44.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $65.97M | 44.3% | |
| Commercial & industrial | $26.29M | 17.7% | |
| Consumer / individual | $19.91M | 13.4% | |
| Construction & development | $876.00K | 0.6% | |
| Agricultural | $36.07M | 24.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $171.25M | $143.30M | $1.02M | $27.63M |
| Jun 2023 | $176.20M | $145.86M | $2.16M | $29.86M |
| Jun 2024 | $174.05M | $140.57M | $2.00M | $32.91M |
| Jun 2025 | $175.55M | $139.15M | $1.88M | $35.64M |
| Jun 2026 | $185.14M | $146.63M | $2.30M | $37.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $146.63M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $146.63M.
Similar-sized banks
Pine River State Bank ($185.32M) · First State Bank Of Ben Wheeler, Texas ($185.12M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement