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Citizens State Bank Of Roseau
Roseau, MN · FDIC Certificate #10167 · Chartered 05/0
Total assets
$290.91M
Total deposits
$247.97M
Total equity
$34.60M
Net loans
$166.80M
Branches (offices)
1
Net income (YTD)
$2.22M
Rank: #2,517 of 4,213 U.S. banks by assets · #93 of 221 in Minnesota. Assets changed 4.4% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 12.99% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 11.89% |
| Tier 1 leverage ratio | 13.30% |
| Uninsured deposits (share of deposits) | 17.3% |
| Noncurrent loans (share of loans) | 0.53% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 67.3% |
| Real estate loans (share of loans) | 43.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $72.33M | 43.4% | |
| Commercial & industrial | $19.68M | 11.8% | |
| Consumer / individual | $14.15M | 8.5% | |
| Construction & development | $6.88M | 4.1% | |
| Agricultural | $30.30M | 18.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $291.55M | $265.44M | $1.45M | $25.10M |
| Jun 2023 | $281.31M | $255.62M | $1.29M | $24.33M |
| Jun 2024 | $305.99M | $251.55M | $1.54M | $27.00M |
| Jun 2025 | $278.53M | $242.55M | $2.11M | $31.52M |
| Jun 2026 | $290.91M | $247.97M | $2.22M | $34.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $247.97M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $247.97M.
Similar-sized banks
Bank Of Dickson ($291.03M) · Sundance State Bank ($290.90M)
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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