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Citizens State Bank
Royal Oak, MI · FDIC Certificate #8183 · Chartered 12/0
Total assets
$581.01M
Total deposits
$530.45M
Total equity
$48.05M
Net loans
$450.47M
Branches (offices)
3
Net income (YTD)
$5.05M
Rank: #1,597 of 4,213 U.S. banks by assets · #28 of 72 in Michigan. Assets changed 41.1% and deposits 41.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 22.25% |
| Net interest margin (YTD) | 4.86% |
| Equity to assets | 8.27% |
| Tier 1 leverage ratio | 8.58% |
| Uninsured deposits (share of deposits) | 38.5% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 84.9% |
| Real estate loans (share of loans) | 90.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $407.25M | 90.4% | |
| Commercial & industrial | $44.24M | 9.8% | |
| Consumer / individual | $3.44M | 0.8% | |
| Construction & development | $37.28M | 8.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $130.21M | $114.38M | $451.00K | $15.53M |
| Jun 2023 | $199.07M | $177.54M | $1.52M | $20.66M |
| Jun 2024 | $290.48M | $261.87M | $2.83M | $27.50M |
| Jun 2025 | $411.73M | $374.86M | $3.01M | $35.59M |
| Jun 2026 | $581.01M | $530.45M | $5.05M | $48.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $530.45M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $530.45M.
Similar-sized banks
Merit Bank ($581.58M) · Sunstate Bank ($580.36M)
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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