FDIC Cert #18356 · Sheldon, Iowa · Est. 1961

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.
$199M
Total assets
A
Health grade · Excellent
1.40%
Return on assets
11.7%
Tier 1 capital

Data updated July 2026

The verdict

Citizens State Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.74% Tier 1, profitable at 1.40% ROA, efficient (52% cost ratio).

#3,017
largest of 4,313 FDIC banks by assets
30th
percentile by asset size, nationally
11.74%
Tier 1 ratio - above the 10% well-capitalized line
69th
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 18356 · IA A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #2026/4307
  • PHOTO-FINISH Blackhawk Bank & Trust · IL
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.40% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Blackhawk Bank & Trust, IL (±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 Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Blackhawk Bank & Trust · IL …80/100Castroville State Bank · TX …80/100Citizens State Bank · IA · t…80/100First National Bank… · FL · …80/100Jewett City Savings… · CT · …80/100Tioga-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 #18356) carries a PlainBankData health grade of A at 80/100, 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 #2,026 of 4,307. Tier 1 capital prints at 11.74%, 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 1.40%. Balance-sheet scale is $199M, 3,017th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Blackhawk Bank & Trust (IL), 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 Iowa since 2000 (3 since 2008)

Citizens State Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 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.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

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

How Citizens State Bank's 80/100 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 avg77/10080/100
Citizens State Bank's composite health score
Tier 1 Capital Ratio (11.74%) 28/40
Return on Assets (ROA) (1.40%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (52.23%) 12/15

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

Balance sheet at a glance

Total Assets

$199M

Total balance-sheet footings

Total Deposits

$175M

Customer-funded liabilities

Net Loans

$126M

Outstanding loan book

Net Income

$3M

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.) 10.34% 11.74% 13.14%
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 80/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

80 Top 47% higher than 53% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 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 $199M falls in the highlighted band.

Safety ratios for Citizens State Bank

Tier 1 capital ratio
Well-capitalized 10%

11.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.74%
Texas Ratio
0.00%
Equity Capital
$23M

What these ratios mean →

Earnings posture at Citizens State Bank

Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
12.20%
Efficiency Ratio
52.23%

What these mean →

Income & expense at Citizens State Bank

$9M
Interest Income
$785K
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 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 Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($199M here), outside Iowa so the neighborhood is not state containment.

First Cahawba Bank $199M · AL First FSB of Mascoutah $199M · IL Burling Bank $199M · IL Fidelity Bank $199M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens State Bank (FDIC Cert #18356) - 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 · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%