FDIC Cert #18724 · Carleton, Nebraska · Est. 1890

Citizens State Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$36M
Total assets
B
Health grade · Good
0.89%
Return on assets
10.5%
Tier 1 capital

Data updated July 2026

The verdict

Citizens State Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.49% Tier 1, 0.89% ROA, 64% efficiency ratio.

#4,212
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
10.49%
Tier 1 ratio - above the 10% well-capitalized line
35th
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 18724 · NE B · 70/100

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

  • GRADE-B B (70/100)
  • MID-PACK #3080/4307
  • PHOTO-FINISH Bank of Belle Glade · FL
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.89% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Bank of Belle Glade, FL (±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 State Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Belle Glade · FL · n…70/100Citizens State Bank · NE · t…70/100Consumers National B… · OH ·…70/100Royal Banks of Misso… · MO ·…70/100The Commercial Bank… · AL · …70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens State Bank · July 2026

What Citizens State Bank's Call Report plate shows

Citizens State Bank (FDIC Cert #18724) carries a PlainBankData health grade of B at 70/100, 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 #3,080 of 4,307. Tier 1 capital prints at 10.49%, 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 0.89%. Balance-sheet scale is $36M, 4,212th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Belle Glade (FL), 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 State Bank

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

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

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

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

How Citizens State Bank's 70/100 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 avg77/10070/100
Citizens State Bank's composite health score
Tier 1 Capital Ratio (10.49%) 28/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (64.42%) 8/15

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

Balance sheet at a glance

Total Assets

$36M

Total balance-sheet footings

Total Deposits

$28M

Customer-funded liabilities

Net Loans

$31M

Outstanding loan book

Net Income

$301K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.09% 10.49% 11.89%
Basel III capital ratios - Citizens State Bank

Where Citizens State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens State Bank's score of 70/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

70 28th percentile higher than 28% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens State 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 State 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 State Bank's $36M falls in the highlighted band.

Safety ratios for Citizens State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.49%
Texas Ratio
0.00%
Equity Capital
$4M

What these ratios mean →

Profitability metrics: Citizens State Bank

Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
8.43%
Efficiency Ratio
64.42%

What these mean →

Income & expense at Citizens State Bank

$2M
Interest Income
$83K
Non-Interest Income
$945K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens State 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 State Bank on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($36M here), outside Nebraska so the neighborhood is not state containment.

Peoples State Bank, Fairmount, N. D. $36M · ND The First National Bank of Fairfax $36M · MN Farmers State Bank $36M · IA Metropolitan Bank and Trust Company $36M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens State Bank (FDIC Cert #18724) - 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 State Bank Call Report profile · FDIC Failed Bank List · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%