Total Assets
$145M
Total balance-sheet footings
FDIC Cert #12128 · Spillville, Iowa · Est. 1908
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.
- $145M
- Total assets
- B
- Health grade · Good
- 0.45%
- Return on assets
- 15.6%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Savings Bank earns a PlainBankData health grade of B (71/100), with well-capitalized at 15.55% Tier 1, 0.45% ROA, 73% efficiency ratio.
- #3,395
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 15.55%
- Tier 1 ratio - above the 10% well-capitalized line
- 14th
- 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 Savings Bank's 71/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Savings Bank's composite health score
Tier 1 Capital Ratio (15.55%) 40/40
Return on Assets (ROA) (0.45%) 7/25
Texas Ratio (0.43%) 20/20
Efficiency Ratio (73.45%) 4/15
71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$124M
Customer-funded liabilities
Net Loans
$66M
Outstanding loan book
Net Income
$632K
Bottom-line earnings
Capital adequacy vs federal thresholds
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 71/100 falls in the highlighted band.
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 $145M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.55%
Texas Ratio
0.43%
Equity Capital
$15M
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.45%
Return on Equity (ROE)
4.73%
Efficiency Ratio
73.45%
What the numbers say about Citizens Savings Bank
Citizens Savings Bank is an FDIC-insured institution (Certificate #12128) headquartered in Spillville, Iowa, established in 1908. It holds $145M in total assets - 3,395th of 4,313 FDIC-insured banks, $124M in customer deposits, and $66M in net loans. Its capital position: a Tier 1 ratio of 15.55%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.43% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (71 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Savings Bank is a community-scale institution -- 172nd of 230 FDIC-insured banks headquartered in Iowa by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$111K
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 0.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Savings Bank (FDIC Cert #12128) - 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 Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Citizens Savings Bank's health grade?▼
Citizens Savings Bank receives a health grade of B (71/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Citizens Savings Bank?▼
Citizens Savings Bank holds $145M in total assets and $124M in deposits, ranking 3,395th of 4,313 FDIC-insured banks by asset size. It is headquartered in Spillville, Iowa.
Is my money safe at Citizens Savings Bank?▼
Yes, deposits at Citizens Savings Bank (Certificate #12128) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Savings Bank's Tier 1 Capital Ratio?▼
Citizens Savings Bank has a Tier 1 Capital Ratio of 15.55%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Savings Bank?▼
Citizens Savings Bank has a Texas Ratio of 0.43%. Staying under 50% is the level analysts treat as 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 Savings Bank?▼
Citizens Savings Bank has an Efficiency Ratio of 73.45%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Savings Bank's profile as a depositor or analyst.
- Citizens Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Savings Bank against other Iowa banks before moving funds. Iowa 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.