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Citizens State Bank
Wisner, NE · FDIC Certificate #5495 · Chartered 10/1
Total assets
$652.99M
Total deposits
$592.19M
Total equity
$57.75M
Net loans
$499.66M
Branches (offices)
17
Net income (YTD)
$3.95M
Rank: #1,449 of 4,213 U.S. banks by assets · #29 of 138 in Nebraska. Assets changed 8.5% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 14.20% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 8.84% |
| Tier 1 leverage ratio | 10.07% |
| Uninsured deposits (share of deposits) | 18.9% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 84.4% |
| Real estate loans (share of loans) | 59.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $298.89M | 59.8% | |
| Commercial & industrial | $29.93M | 6.0% | |
| Consumer / individual | $3.49M | 0.7% | |
| Construction & development | $11.23M | 2.2% | |
| Agricultural | $167.48M | 33.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $489.36M | $449.35M | $2.13M | $39.52M |
| Jun 2023 | $519.00M | $471.91M | $3.36M | $46.02M |
| Jun 2024 | $569.96M | $513.05M | $3.14M | $50.64M |
| Jun 2025 | $601.57M | $546.72M | $3.46M | $49.72M |
| Jun 2026 | $652.99M | $592.19M | $3.95M | $57.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $592.19M | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $592.19M.
Similar-sized banks
Pacific Valley Bank ($653.30M) · First Midwest Bank Of Dexter ($652.04M)
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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