Total Assets
$658M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Citizens State Bank of La Crosse — FDIC Bank Health Profile
La Crosse, Wisconsin · Est. 1907. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #1513 Chicago Region
D
Health grade
Weak
Score: 40/100
Basel III capital ratios — Citizens State Bank of La Crosse
Total Deposits
$518M
Customer-funded liabilities
Net Loans
$532M
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$80M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.59%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
23.22%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
41.21%
Income & Expense Breakdown
$41M
Interest Income
$6M
Non-Interest Income
$13M
Non-Interest Expense
FDIC Deposit Insurance
Citizens State Bank of La Crosse is FDIC-insured (Certificate #1513). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Citizens State Bank of La Crosse
Citizens State Bank of La Crosse is an FDIC-insured institution (Certificate #1513) headquartered in La Crosse, Wisconsin, established in 1907. The bank currently holds $658M in total assets and $518M in customer deposits, with $532M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Citizens State Bank of La Crosse reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $80M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.59% and a Return on Equity of 23.22%, with an Efficiency Ratio of 41.21% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of D (40/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Citizens State Bank of La Crosse is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Wisconsin by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Citizens State Bank of La Crosse (FDIC Cert #1513) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National Association Green Bay | $45.1B | C | 1.10% |
| Nicolet National Bank Green Bay | $9.2B | B | 1.66% |
| Johnson Bank Racine | $7.2B | B | 1.07% |
| Town Bank, National Association Hartland | $4.5B | C | 1.27% |
| Bank First, N.A. Manitowoc | $4.5B | B | 1.64% |
| First Business Bank Madison | $4.1B | C | 1.36% |
| John Deere Financial, f.s.b. Middleton | $3.4B | D | 3.87% |
| Lake Ridge Bank Middleton | $3.3B | C | 0.98% |
Frequently Asked Questions
What is Citizens State Bank of La Crosse's health grade? ▼
Citizens State Bank of La Crosse receives a health grade of D (40/100) 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 notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Citizens State Bank of La Crosse? ▼
Citizens State Bank of La Crosse holds $658M in total assets and $518M in deposits. It is headquartered in La Crosse, Wisconsin.
Is my money safe at Citizens State Bank of La Crosse? ▼
Yes. Citizens State Bank of La Crosse is FDIC-insured (Certificate #1513). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Citizens State Bank of La Crosse's Tier 1 Capital Ratio? ▼
Citizens State Bank of La Crosse has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Citizens State Bank of La Crosse? ▼
Citizens State Bank of La Crosse has an Efficiency Ratio of 41.21%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.