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Citizens Savings Bank
Anamosa, IA · FDIC Certificate #10125 · Chartered 11/0
Total assets
$165.86M
Total deposits
$151.31M
Total equity
$12.93M
Net loans
$68.64M
Branches (offices)
2
Net income (YTD)
$847.00K
Rank: #3,194 of 4,213 U.S. banks by assets · #158 of 225 in Iowa. Assets changed 6.9% and deposits 6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 13.41% |
| Net interest margin (YTD) | 2.97% |
| Equity to assets | 7.79% |
| Tier 1 leverage ratio | 9.50% |
| Uninsured deposits (share of deposits) | 27.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 45.4% |
| Real estate loans (share of loans) | 64.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $43.96M | 64.0% | |
| Commercial & industrial | $10.33M | 15.1% | |
| Consumer / individual | $1.10M | 1.6% | |
| Construction & development | $2.76M | 4.0% | |
| Agricultural | $13.22M | 19.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $160.49M | $151.55M | $830.00K | $7.03M |
| Jun 2023 | $154.36M | $145.76M | $738.00K | $7.47M |
| Jun 2024 | $150.60M | $138.12M | $566.00K | $9.20M |
| Jun 2025 | $155.17M | $142.15M | $689.00K | $11.30M |
| Jun 2026 | $165.86M | $151.31M | $847.00K | $12.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $151.31M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $151.31M.
Similar-sized banks
North Central Bank ($165.91M) · First National Bank In Ord ($165.57M)
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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