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Citizens Savings Bank
Clarks Summit, PA · FDIC Certificate #31184 · Chartered 01/0
Total assets
$358.98M
Total deposits
$304.01M
Total equity
$53.78M
Net loans
$298.22M
Branches (offices)
6
Net income (YTD)
$437.00K
Rank: #2,209 of 4,213 U.S. banks by assets · #80 of 109 in Pennsylvania. Assets changed 1.5% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.24% |
| Return on equity | 1.63% |
| Net interest margin (YTD) | 2.57% |
| Equity to assets | 14.98% |
| Tier 1 leverage ratio | 15.12% |
| Uninsured deposits (share of deposits) | 6.7% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 98.1% |
| Real estate loans (share of loans) | 100.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $299.03M | 100.3% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $210.00K | 0.1% | |
| Construction & development | $501.00K | 0.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $394.95M | $343.33M | $1.12M | $50.21M |
| Jun 2023 | $382.51M | $322.03M | $170.00K | $49.66M |
| Jun 2024 | $354.12M | $302.43M | -$2.90M | $50.27M |
| Jun 2025 | $353.75M | $299.79M | $544.00K | $52.54M |
| Jun 2026 | $358.98M | $304.01M | $437.00K | $53.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $304.01M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $304.01M.
Similar-sized banks
The Bank Of Versailles ($359.00M) · Teutopolis State Bank ($358.54M)
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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