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Citizens State Bank
Carleton, NE · FDIC Certificate #18724 · Chartered 02/0
Total assets
$35.55M
Total deposits
$27.77M
Total equity
$3.98M
Net loans
$31.14M
Branches (offices)
1
Net income (YTD)
$261.00K
Rank: #4,125 of 4,213 U.S. banks by assets · #135 of 138 in Nebraska. Assets changed 8.3% and deposits 9.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.49% |
| Return on equity | 13.57% |
| Net interest margin (YTD) | 4.73% |
| Equity to assets | 11.19% |
| Tier 1 leverage ratio | 11.43% |
| Uninsured deposits (share of deposits) | 4.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 112.1% |
| Real estate loans (share of loans) | 38.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.13M | 38.9% | |
| Commercial & industrial | $2.37M | 7.6% | |
| Consumer / individual | $1.50M | 4.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $15.37M | 49.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $26.77M | $21.68M | $57.00K | $2.66M |
| Jun 2023 | $28.19M | $21.65M | $191.00K | $3.00M |
| Jun 2024 | $31.22M | $24.84M | $165.00K | $3.27M |
| Jun 2025 | $32.84M | $25.47M | $180.00K | $3.60M |
| Jun 2026 | $35.55M | $27.77M | $261.00K | $3.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $27.77M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $27.77M.
Similar-sized banks
The First National Bank Of Fairfax ($35.65M) · The Marion National Bank ($35.41M)
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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