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Citizens Savings Bank
Spillville, IA · FDIC Certificate #12128 · Chartered 01/0
Total assets
$151.10M
Total deposits
$129.22M
Total equity
$16.16M
Net loans
$67.33M
Branches (offices)
3
Net income (YTD)
$493.00K
Rank: #3,301 of 4,213 U.S. banks by assets · #163 of 225 in Iowa. Assets changed 11.0% and deposits 9.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.67% |
| Return on equity | 6.41% |
| Net interest margin (YTD) | 2.25% |
| Equity to assets | 10.70% |
| Tier 1 leverage ratio | 15.54% |
| Uninsured deposits (share of deposits) | 18.6% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 52.1% |
| Real estate loans (share of loans) | 68.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $46.10M | 68.5% | |
| Commercial & industrial | $5.07M | 7.5% | |
| Consumer / individual | $1.37M | 2.0% | |
| Construction & development | $303.00K | 0.4% | |
| Agricultural | $15.63M | 23.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $134.71M | $112.76M | $882.00K | $11.83M |
| Jun 2023 | $132.25M | $105.08M | $382.00K | $12.74M |
| Jun 2024 | $139.13M | $115.05M | $211.00K | $12.84M |
| Jun 2025 | $136.10M | $117.53M | $274.00K | $12.07M |
| Jun 2026 | $151.10M | $129.22M | $493.00K | $16.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $129.22M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $129.22M.
Similar-sized banks
First Security Bank ($151.15M) · Grand Missouri Bank ($151.06M)
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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