Advertisement
Citizens State Bank Of La Crosse
La Crosse, WI · FDIC Certificate #1513 · Chartered 12/0
Total assets
$648.50M
Total deposits
$513.36M
Total equity
$85.13M
Net loans
$538.88M
Branches (offices)
4
Net income (YTD)
$9.60M
Rank: #1,463 of 4,213 U.S. banks by assets · #52 of 153 in Wisconsin. Assets changed -2.1% and deposits -3.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.94% |
| Return on equity | 23.27% |
| Net interest margin (YTD) | 4.13% |
| Equity to assets | 13.13% |
| Tier 1 leverage ratio | 13.36% |
| Uninsured deposits (share of deposits) | 29.4% |
| Noncurrent loans (share of loans) | 1.06% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 105.0% |
| Real estate loans (share of loans) | 89.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $480.00M | 89.1% | |
| Commercial & industrial | $62.39M | 11.6% | |
| Consumer / individual | $2.90M | 0.5% | |
| Construction & development | $45.67M | 8.5% | |
| Agricultural | $414.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $510.87M | $413.06M | $6.40M | $43.76M |
| Jun 2023 | $607.38M | $482.48M | $7.62M | $51.23M |
| Jun 2024 | $648.43M | $510.25M | $5.37M | $61.98M |
| Jun 2025 | $662.48M | $533.60M | $8.24M | $74.65M |
| Jun 2026 | $648.50M | $513.36M | $9.60M | $85.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $513.36M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $513.36M.
Similar-sized banks
Modern Bank, National Association ($648.55M) · The Bank Of Tescott ($648.34M)
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