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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 17830 · MO A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #116/4307
  • PHOTO-FINISH Farmers Bank & Trust · KS
  • TIER1-WELL 19.2% Tier 1
  • TEXAS-CLEAN 3.4% Texas
  • ROA-STRONG 1.97% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Farmers Bank & Trust, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens' Bank of Charleston

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Bank of Dade · GA · near100/100Citizens' Bank of Ch… · MO ·…100/100Farmers Bank & Trust · KS · …100/100First Kansas Bank · KS · near100/100Morgan Stanley Bank,… · UT ·…100/100The Bank of Commerce · ID · …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens' Bank of Charleston · July 2026

Call Report read for Citizens' Bank of Charleston in a high-failure state

Citizens' Bank of Charleston (FDIC Cert #17830) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #116 of 4,307. Tier 1 capital prints at 19.22%, clearing the 10% well-capitalized line. The Texas Ratio is 3.38%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.97%. Balance-sheet scale is $189M, 3,090th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers Bank & Trust (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens' Bank of Charleston

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Citizens' Bank of Charleston sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Citizens' Bank of Charleston's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

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.

0/100100/100National avg77/100100/100
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 Assets

$189M

Total balance-sheet footings

Total Deposits

$152M

Customer-funded liabilities

Net Loans

$137M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.82% 19.22% 20.62%
Basel III capital ratios - Citizens' Bank of Charleston

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 3% higher than 97% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Citizens' Bank of Charleston 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Citizens' Bank of Charleston

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

What these ratios mean →

Earnings posture at Citizens' Bank of Charleston

Return on Assets (ROA)
90th percentile nationally
1.97%
Return on Equity (ROE)
10.23%
Efficiency Ratio
47.38%

What these mean →

Income & expense at Citizens' Bank of Charleston

$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.

FDIC Failed Bank List → View Citizens' Bank of Charleston on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($189M here), outside Missouri so the neighborhood is not state containment.

Peoples Bank $189M · GA Bank of Sunset and Trust Company $189M · LA Mount Vernon Bank $189M · GA Commerce Bank & Trust $189M · FL

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.

Citizens' Bank of Charleston Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
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%