Total Assets
$658M
Total balance-sheet footings
FDIC Cert #1513 · La Crosse, Wisconsin · Est. 1907
Citizens State Bank of La Crosse - FDIC Bank Health Profile
A community-scale look at Citizens State Bank of La Crosse's own numbers, pulled straight from its quarterly FDIC Call Report.
- $658M
- Total assets
- A
- Health grade · Excellent
- 2.59%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens State Bank of La Crosse earns a PlainBankData health grade of A (91/100), with well-capitalized at 12.18% Tier 1, profitable at 2.59% ROA, efficient (41% cost ratio).
- #1,450
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 12.18%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Citizens State Bank of La Crosse's 91/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens State Bank of La Crosse's composite health score
Tier 1 Capital Ratio (12.18%) 35/40
Return on Assets (ROA) (2.59%) 25/25
Texas Ratio (10.34%) 16/20
Efficiency Ratio (41.21%) 15/15
91 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$518M
Customer-funded liabilities
Net Loans
$532M
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens State Bank of La Crosse ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens State Bank of La Crosse's score of 91/100 falls in the highlighted band.
Citizens State Bank of La Crosse'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 La Crosse's $658M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.18%
Texas Ratio
10.34%
Equity Capital
$80M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.59%
Return on Equity (ROE)
23.22%
Efficiency Ratio
41.21%
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. It holds $658M in total assets - 1,450th of 4,313 FDIC-insured banks, $518M in customer deposits, and $532M in net loans. Capital-wise, the Tier 1 ratio sits at 12.18%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 10.34%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (91 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 State Bank of La Crosse sits 50th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$41M
Interest Income
$6M
Non-Interest Income
$13M
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 La Crosse reports a Texas Ratio of 10.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens State Bank of La Crosse (FDIC Cert #1513) - 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 Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 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 A (91/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens State Bank of La Crosse?▼
Citizens State Bank of La Crosse holds $658M in total assets and $518M in deposits, ranking 1,450th of 4,313 FDIC-insured banks by asset size. It is headquartered in La Crosse, Wisconsin.
Is my money safe at Citizens State Bank of La Crosse?▼
Yes, deposits at Citizens State Bank of La Crosse (Certificate #1513) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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 12.18%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens State Bank of La Crosse?▼
Citizens State Bank of La Crosse has a Texas Ratio of 10.34%. 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 State Bank of La Crosse?▼
Citizens State Bank of La Crosse has an Efficiency Ratio of 41.21%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens State Bank of La Crosse's profile as a depositor or analyst.
- Citizens State Bank of La Crosse's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens State Bank of La Crosse against other Wisconsin banks before moving funds. Wisconsin 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.