Advertisement
Citizens State Bank
Hudson, WI · FDIC Certificate #6194 · Chartered 07/1
Total assets
$488.20M
Total deposits
$410.52M
Total equity
$47.13M
Net loans
$395.83M
Branches (offices)
5
Net income (YTD)
$2.92M
Rank: #1,816 of 4,213 U.S. banks by assets · #69 of 153 in Wisconsin. Assets changed 5.4% and deposits 3.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 12.73% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 9.65% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 30.1% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 96.4% |
| Real estate loans (share of loans) | 95.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $377.41M | 95.3% | |
| Commercial & industrial | $18.76M | 4.7% | |
| Consumer / individual | $2.42M | 0.6% | |
| Construction & development | $20.92M | 5.3% | |
| Agricultural | $994.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $304.37M | $263.60M | $1.64M | $32.22M |
| Jun 2023 | $358.09M | $297.54M | $2.00M | $34.42M |
| Jun 2024 | $443.40M | $385.89M | $1.54M | $37.40M |
| Jun 2025 | $463.31M | $397.93M | $2.18M | $41.74M |
| Jun 2026 | $488.20M | $410.52M | $2.92M | $47.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $410.52M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $410.52M.
Similar-sized banks
Citizens Bank ($488.81M) · The Bank, National Association ($488.05M)
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.
Advertisement