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The Citizens State Bank At Mohall
Mohall, ND · FDIC Certificate #8632 · Chartered 06/0
Total assets
$80.17M
Total deposits
$69.85M
Total equity
$9.22M
Net loans
$58.77M
Branches (offices)
3
Net income (YTD)
$474.00K
Rank: #3,833 of 4,213 U.S. banks by assets · #49 of 60 in North Dakota. Assets changed 2.0% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 10.38% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 11.50% |
| Tier 1 leverage ratio | 11.78% |
| Uninsured deposits (share of deposits) | 19.6% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 84.1% |
| Real estate loans (share of loans) | 58.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $34.06M | 58.0% | |
| Commercial & industrial | $5.70M | 9.7% | |
| Consumer / individual | $2.43M | 4.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $16.80M | 28.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $69.67M | $62.58M | $102.00K | $7.04M |
| Jun 2023 | $69.73M | $62.18M | $459.00K | $7.44M |
| Jun 2024 | $72.20M | $63.17M | $320.00K | $7.98M |
| Jun 2025 | $78.57M | $65.92M | $376.00K | $8.67M |
| Jun 2026 | $80.17M | $69.85M | $474.00K | $9.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $69.85M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $69.85M.
Similar-sized banks
The Howard State Bank, Howard, Kansas ($80.21M) · Kinmundy Bank ($80.07M)
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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