FDIC Cert #31184 · Clarks Summit, Pennsylvania · Est. 1902

Citizens Savings Bank - FDIC Bank Health Profile

A community-scale look at Citizens Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$355M
Total assets
B
Health grade · Good
0.25%
Return on assets
30.4%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 30.39% Tier 1, 0.25% ROA, 89% efficiency ratio.

#2,257
largest of 4,313 FDIC banks by assets
48th
percentile by asset size, nationally
30.39%
Tier 1 ratio - above the 10% well-capitalized line
9th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 31184 · PA B · 67/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • MID-PACK #3215/4307
  • PHOTO-FINISH Homewood Federal Sav… · MD
  • TIER1-WELL 30.4% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-THIN 0.25% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: Homewood Federal Savings Bank, MD (±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 Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100Blue Grass Federal S… · KY ·…67/100Citizens Savings Bank · PA ·…67/100First Federal Saving… · MS ·…67/100Homewood Federal Sav… · MD ·…67/100Spratt Savings Bank · SC · n…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Savings Bank · July 2026

Call Report read for Citizens Savings Bank in a high-failure state

Citizens Savings Bank (FDIC Cert #31184) carries a PlainBankData health grade of B at 67/100, 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 #3,215 of 4,307. Tier 1 capital prints at 30.39%, clearing the 10% well-capitalized line. The Texas Ratio is 1.23%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.25%. Balance-sheet scale is $355M, 2,257th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Homewood Federal Savings Bank (MD), 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 Savings Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

Citizens Savings Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about Citizens Savings Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

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

How Citizens Savings Bank's 67/100 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 avg77/10067/100
Citizens Savings Bank's composite health score
Tier 1 Capital Ratio (30.39%) 40/40
Return on Assets (ROA) (0.25%) 7/25
Texas Ratio (1.23%) 20/20
Efficiency Ratio (88.93%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$355M

Total balance-sheet footings

Total Deposits

$301M

Customer-funded liabilities

Net Loans

$291M

Outstanding loan book

Net Income

$885K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 28.99% 30.39% 31.79%
Basel III capital ratios - Citizens Savings Bank

Where Citizens Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Savings Bank's score of 67/100 falls in the highlighted band.

Citizens Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Savings Bank 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 Savings Bank'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 Savings Bank's $355M falls in the highlighted band.

Capital & credit buffers at Citizens Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

30.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
30.39%
Texas Ratio
1.23%
Equity Capital
$53M

What these ratios mean →

Profitability metrics: Citizens Savings Bank

Return on Assets (ROA)
9th percentile nationally
0.25%
Return on Equity (ROE)
1.69%
Efficiency Ratio
88.93%

What these mean →

Income & expense at Citizens Savings Bank

$13M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Savings Bank reports a Texas Ratio of 1.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Savings Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($355M here), outside Pennsylvania so the neighborhood is not state containment.

Municipal Trust and Savings Bank $355M · IL Farmers State Bank of Alto Pass, Ill. $355M · IL Teutopolis State Bank $355M · IL Farmers & Merchants Bank $355M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Savings Bank (FDIC Cert #31184) - 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 Savings Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
First National Bank of PennsylvaniaGreenville $50.0B A 1.29%
Fulton Bank, National AssociationLancaster $32.0B A 1.33%
BNY Mellon, National AssociationPittsburgh $31.3B B 0.94%
Customers BankMalvern $24.9B A 1.01%
TriState Capital BankPittsburgh $23.3B A 0.78%
Northwest BankWarren $16.8B B 0.92%
Dollar Bank, Federal Savings BankPittsburgh $12.5B B 0.53%
First Commonwealth BankIndiana $12.3B B 1.33%