Total Assets
$527M
Total balance-sheet footings
FDIC Cert #8183 · Royal Oak, Michigan · Est. 1910
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.
- $527M
- Total assets
- B
- Health grade · Good
- 1.37%
- Return on assets
- 9.0%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens State Bank earns a PlainBankData health grade of B (69/100), with 9.01% Tier 1 capital, profitable at 1.37% ROA, efficient (49% cost ratio).
- #1,723
- largest of 4,313 FDIC banks by assets
- 60th
- percentile by asset size, nationally
- 9.01%
- Tier 1 ratio - below the 10% well-capitalized line
- 68th
- 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 State Bank's 69/100 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's composite health score
Tier 1 Capital Ratio (9.01%) 18/40
Return on Assets (ROA) (1.37%) 20/25
Texas Ratio (6.33%) 16/20
Efficiency Ratio (48.85%) 15/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$481M
Customer-funded liabilities
Net Loans
$378M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
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 69/100 falls in the highlighted band.
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 $527M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.01% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.01%
Texas Ratio
6.33%
Equity Capital
$43M
Profitability metrics
Return on Assets (ROA)
68th percentile nationally
1.37%
Return on Equity (ROE)
16.20%
Efficiency Ratio
48.85%
What the numbers say about Citizens State Bank
Citizens State Bank is an FDIC-insured institution (Certificate #8183) headquartered in Royal Oak, Michigan, established in 1910. It holds $527M in total assets - 1,723rd of 4,313 FDIC-insured banks, $481M in customer deposits, and $378M in net loans. Its capital position: a Tier 1 ratio of 9.01%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 6.33% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (69 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 sits 30th of 73 banks headquartered in Michigan by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$26M
Interest Income
$3M
Non-Interest Income
$10M
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 6.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens State Bank (FDIC Cert #8183) - 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 Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is Citizens State Bank's health grade?▼
Citizens State Bank receives a health grade of B (69/100) 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 State Bank?▼
Citizens State Bank holds $527M in total assets and $481M in deposits, ranking 1,723rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Royal Oak, Michigan.
Is my money safe at Citizens State Bank?▼
Yes, deposits at Citizens State Bank (Certificate #8183) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens State Bank's Tier 1 Capital Ratio?▼
Citizens State Bank has a Tier 1 Capital Ratio of 9.01%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Citizens State Bank?▼
Citizens State Bank has a Texas Ratio of 6.33%. 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?▼
Citizens State Bank has an Efficiency Ratio of 48.85%. 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's profile as a depositor or analyst.
- Citizens State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens State Bank against other Michigan banks before moving funds. Michigan 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.