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Citizens Community Bank
Pilot Grove, MO · FDIC Certificate #12694 · Chartered 08/2
Total assets
$142.63M
Total deposits
$125.92M
Total equity
$16.42M
Net loans
$95.28M
Branches (offices)
3
Net income (YTD)
$845.00K
Rank: #3,358 of 4,213 U.S. banks by assets · #150 of 190 in Missouri. Assets changed 3.0% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 10.40% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 11.51% |
| Tier 1 leverage ratio | 11.56% |
| Uninsured deposits (share of deposits) | 9.8% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 75.7% |
| Real estate loans (share of loans) | 83.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $79.92M | 83.9% | |
| Commercial & industrial | $5.37M | 5.6% | |
| Consumer / individual | $2.63M | 2.8% | |
| Construction & development | $2.21M | 2.3% | |
| Agricultural | $8.24M | 8.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $126.42M | $113.11M | $473.00K | $12.94M |
| Jun 2023 | $127.08M | $113.32M | $492.00K | $13.49M |
| Jun 2024 | $126.79M | $109.95M | $553.00K | $13.97M |
| Jun 2025 | $138.51M | $122.90M | $516.00K | $15.34M |
| Jun 2026 | $142.63M | $125.92M | $845.00K | $16.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $125.92M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $125.92M.
Similar-sized banks
Bank Of Winona ($142.72M) · The Settlers Bank ($142.45M)
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.
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