FDIC Cert #1118 · Arlington, South Dakota · Est. 1901

Citizens State Bank, of Arlington - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$151M
Total assets
B
Health grade · Good
0.79%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

Citizens State Bank, of Arlington earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.24% Tier 1, 0.79% ROA, 68% efficiency ratio.

#3,346
largest of 4,313 FDIC banks by assets
22nd
percentile by asset size, nationally
12.24%
Tier 1 ratio - above the 10% well-capitalized line
29th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 1118 · SD B · 77/100

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

  • GRADE-B B (77/100)
  • MID-PACK #2369/4307
  • PHOTO-FINISH Cherokee State Bank · IA
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.79% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Dakota: Cherokee State Bank, IA (±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, of Arlington

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

Morgan Stanley Bank,… · UT ·…100/100CerescoBank · NE · near77/100Chemung Canal Trust… · NY · …77/100Cherokee State Bank · IA · n…77/100Citizens Alliance Bank · MN …77/100Citizens State Bank,… · SD ·…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens State Bank, of Arlington · July 2026

Plate reading for Citizens State Bank, of Arlington where failures stay rare

Citizens State Bank, of Arlington (FDIC Cert #1118) carries a PlainBankData health grade of B at 77/100, 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 #2,369 of 4,307. Tier 1 capital prints at 12.24%, 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 0.79%. Balance-sheet scale is $151M, 3,346th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Cherokee State Bank (IA), 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, of Arlington

Only 1 FAILURE resolution in South Dakota since 2000

Citizens State Bank, of Arlington is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANKFIRST SIOUX FALLS, SD 2009 → ALERUS FINANCIAL, NATIONAL ASSOCIATION
  • FIRST FSB OF SOUTH DAKOTA RAPID CITY, SD 1992 → METROPOLITAN FB, FSB
  • FIRST FSB HURON, SD 1991 → BRANCH SALE

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

How Citizens State Bank, of Arlington's 77/100 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 avg77/10077/100
Citizens State Bank, of Arlington's composite health score
Tier 1 Capital Ratio (12.24%) 35/40
Return on Assets (ROA) (0.79%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (68.06%) 8/15

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

Balance sheet at a glance

Total Assets

$151M

Total balance-sheet footings

Total Deposits

$132M

Customer-funded liabilities

Net Loans

$77M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.84% 12.24% 13.64%
Basel III capital ratios - Citizens State Bank, of Arlington

Where Citizens State Bank, of Arlington ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens State Bank, of Arlington's score of 77/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

77 45th percentile higher than 45% 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, of Arlington 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, of Arlington'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, of Arlington's $151M falls in the highlighted band.

Safety metrics: Citizens State Bank, of Arlington

Tier 1 capital ratio
Well-capitalized 10%

12.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.24%
Texas Ratio
0.00%
Equity Capital
$17M

What these ratios mean →

Profitability metrics: Citizens State Bank, of Arlington

Return on Assets (ROA)
29th percentile nationally
0.79%
Return on Equity (ROE)
7.24%
Efficiency Ratio
68.06%

What these mean →

Income & expense at Citizens State Bank, of Arlington

$6M
Interest Income
$118K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

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

Top banks in South Dakota by total assets

Largest banks headquartered in South Dakota
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    The Bancorp Bank $9.3B

    Sioux Falls, SD · Grade A

  4. 4
    Pathward $7.6B

    Sioux Falls, SD · Grade A

  5. 5
    Dacotah Bank $4.8B

    Aberdeen, SD · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($151M here), outside South Dakota so the neighborhood is not state containment.

Edward Jones Trust Company $151M · MO Del Norte Bank $151M · CO Community State Bank $151M · IN Spratt Savings Bank $150M · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens State Bank, of Arlington (FDIC Cert #1118) - 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, of Arlington Call Report profile · FDIC Failed Bank List · South Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Dakota

All South Dakota banks →
BankAssetsGradeROA
Citibank, National AssociationSioux Falls $1.84T A 0.85%
Wells Fargo Bank, National AssociationSioux Falls $1.82T A 1.41%
The Bancorp Bank, National AssociationSioux Falls $9.3B A 2.81%
Pathward, National AssociationSioux Falls $7.6B A 2.65%
Dacotah BankAberdeen $4.8B B 1.01%
First Bank & TrustBrookings $4.7B B 1.02%
First PREMIER BankSioux Falls $4.2B A 1.67%
First Dakota National BankYankton $3.2B A 1.38%