Vitals
  • Total Assets
    145.3M 1.2 %
  • Total Deposits
    125.9M -0.2 %
  • Total Net Loans
    88.3M 6.9 %
  • Net Income
    1.3M 3.3 %
  • Book Value
    16.6M 7.5 %
  • Book Value x2
    33.2M 7.5 %
  • Book Value x3
    49.9M 7.5 %
ROAA

1.21

ROAE

10.914

Efficiency Ratio

53.271

Net Interest Margin

3.736

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 145,298 169,445
Total Net Loans 88,306 107,957
Total Deposits 125,851 139,729
Total Equity 16,618 18,816
Profitability
Net Income 1,322 1,510
Return on Average Assets 1.21 1.146
Return on Average Equity 10.914 10.596
Net Interest Margin 3.736 3.552
Efficiency Ratio 53.271 60.504
Noninterest Income/Revenue 6.998 13.363
Balance Sheet Ratios
Loan-to-Deposit 70.167 72.96
Securities/Assets .324 .241
Total Equity/Total Assets .114 .111
Tangible Equity/Tangible Assets .114 .107
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 16,303 17,489
Tier 2 Capital 1,369 1,337
Total Capital 17,672 18,823
Total Risk Weighted Assets 109,387 123,230
Leverage Ratio 11.35 10.53
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.9 15.571
Total Capital Ratio 16.16 16.623

Timeline for Citizens State Bank

Carroll County State Bank

Citizens State Bank was acquired by Carroll County State Bank 9 years

View Profile Nov 22 2014

First Choice Financial Services, Inc

First Choice Financial Services, Inc became a new subsidiary organization for Citizens State Bank.

View Profile Apr 01 1987

Commercial State Bank

Acquisition: Citizens State Bank acquired a new subsidiary, Commercial State Bank, 37 years

View Profile Jun 30 1986

Carroll County Bancshares, Inc.

Carroll County Bancshares, Inc. became a new parent organization for Citizens State Bank.

View Profile Jun 30 1986

Citizens State Bank

Citizens State Bank was established 37 years ago and is currently headquartered in Fort Dodge, IA.

Jun 27 1986
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Carroll County State Bank Buyer 553,353 Pooling of Interests Discontinued 11/22/2014
Commercial State Bank Seller 47,880 Failure 6/30/1986
Relationships Role Relationship Start Relationship End
Carroll County Bancshares, Inc. Parent 6/30/1986 11/21/2014
First Choice Financial Services, Inc Subsidary 6/30/2007 11/21/2014
First Choice Financial Services, Inc Subsidary 4/1/1987 6/29/2007
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