Total Assets
$189M
Total balance-sheet footings
FDIC Cert #17830 · Charleston, Missouri · Est. 1958
Citizens' Bank of Charleston - FDIC Bank Health Profile
A community-scale look at Citizens' Bank of Charleston's own numbers, pulled straight from its quarterly FDIC Call Report.
- $189M
- Total assets
- A
- Health grade · Excellent
- 1.97%
- Return on assets
- 19.2%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens' Bank of Charleston earns a PlainBankData health grade of A (100/100), with well-capitalized at 19.22% Tier 1, profitable at 1.97% ROA, efficient (47% cost ratio).
- #3,090
- largest of 4,313 FDIC banks by assets
- 28th
- percentile by asset size, nationally
- 19.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 90th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Citizens' Bank of Charleston's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens' Bank of Charleston's composite health score
Tier 1 Capital Ratio (19.22%) 40/40
Return on Assets (ROA) (1.97%) 25/25
Texas Ratio (3.38%) 20/20
Efficiency Ratio (47.38%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$152M
Customer-funded liabilities
Net Loans
$137M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens' Bank of Charleston ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens' Bank of Charleston's score of 100/100 falls in the highlighted band.
Citizens' Bank of Charleston's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens' Bank of Charleston's $189M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.22%
Texas Ratio
3.38%
Equity Capital
$36M
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.97%
Return on Equity (ROE)
10.23%
Efficiency Ratio
47.38%
What the numbers say about Citizens' Bank of Charleston
Citizens' Bank of Charleston is an FDIC-insured institution (Certificate #17830) headquartered in Charleston, Missouri, established in 1958. It holds $189M in total assets - 3,090th of 4,313 FDIC-insured banks, $152M in customer deposits, and $137M in net loans. On safety, its Tier 1 capital ratio of 19.22% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.38% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, Citizens' Bank of Charleston ranks 133rd of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$11M
Interest Income
$965K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens' Bank of Charleston reports a Texas Ratio of 3.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens' Bank of Charleston (FDIC Cert #17830) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Citizens' Bank of Charleston's health grade?▼
Citizens' Bank of Charleston receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens' Bank of Charleston?▼
Citizens' Bank of Charleston holds $189M in total assets and $152M in deposits, ranking 3,090th of 4,313 FDIC-insured banks by asset size. It is headquartered in Charleston, Missouri.
Is my money safe at Citizens' Bank of Charleston?▼
Yes, deposits at Citizens' Bank of Charleston (Certificate #17830) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens' Bank of Charleston's Tier 1 Capital Ratio?▼
Citizens' Bank of Charleston has a Tier 1 Capital Ratio of 19.22%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens' Bank of Charleston?▼
Citizens' Bank of Charleston has a Texas Ratio of 3.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens' Bank of Charleston?▼
Citizens' Bank of Charleston has an Efficiency Ratio of 47.38%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens' Bank of Charleston's profile as a depositor or analyst.
- Citizens' Bank of Charleston's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens' Bank of Charleston against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.