FDIC Cert #14785 · Marshalltown, Iowa · Est. 1907

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.
$75M
Total assets
A
Health grade · Excellent
1.33%
Return on assets
15.0%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Savings Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 15.01% Tier 1, profitable at 1.33% ROA, 65% efficiency ratio.

#3,945
largest of 4,313 FDIC banks by assets
8th
percentile by asset size, nationally
15.01%
Tier 1 ratio - above the 10% well-capitalized line
66th
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 14785 · IA A · 88/100

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

  • GRADE-A A (88/100)
  • MID-PACK #1124/4307
  • PHOTO-FINISH Citizens Bank · TN
  • TIER1-WELL 15.0% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.33% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Citizens Bank, TN (±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 Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank · TN · near88/100Citizens Savings Bank · IA ·…88/100First Bank · AK · near88/100Richland County Bank · WI · …88/100The Farmers Bank · KY · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Savings Bank · July 2026

What Citizens Savings Bank's Call Report plate shows

Citizens Savings Bank (FDIC Cert #14785) carries a PlainBankData health grade of A at 88/100, 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 #1,124 of 4,307. Tier 1 capital prints at 15.01%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.33%. Balance-sheet scale is $75M, 3,945th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank (TN), 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

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

Citizens Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens Savings Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

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

How Citizens Savings Bank's 88/100 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 avg77/10088/100
Citizens Savings Bank's composite health score
Tier 1 Capital Ratio (15.01%) 40/40
Return on Assets (ROA) (1.33%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (65.12%) 8/15

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

Balance sheet at a glance

Total Assets

$75M

Total balance-sheet footings

Total Deposits

$62M

Customer-funded liabilities

Net Loans

$47M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.61% 15.01% 16.41%
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 88/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

88 Top 26% higher than 74% 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%). This entry sits in this band. 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 $75M falls in the highlighted band.

Safety ratios for Citizens Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

15.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.01%
Texas Ratio
0.00%
Equity Capital
$8M

What these ratios mean →

Earnings posture at Citizens Savings Bank

Return on Assets (ROA)
66th percentile nationally
1.33%
Return on Equity (ROE)
13.93%
Efficiency Ratio
65.12%

What these mean →

Income & expense at Citizens Savings Bank

$4M
Interest Income
$126K
Non-Interest Income
$2M
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 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - 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 Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($75M here), outside Iowa so the neighborhood is not state containment.

Commercial State Bank $75M · NE Amory First Savings And Loan Bank, Ssb $76M · MS Ipswich State Bank $75M · SD Century Savings and Loan Association $76M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Savings Bank (FDIC Cert #14785) - 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 · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%