FDIC Cert #5495 · Wisner, Nebraska · Est. 1888

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.
$640M
Total assets
B
Health grade · Good
1.19%
Return on assets
11.9%
Tier 1 capital

Data updated July 2026

The verdict

Citizens State Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.87% Tier 1, profitable at 1.19% ROA, 66% efficiency ratio.

#1,485
largest of 4,313 FDIC banks by assets
66th
percentile by asset size, nationally
11.87%
Tier 1 ratio - above the 10% well-capitalized line
57th
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.

FDIC Call Report plate

Cert 5495 · NE B · 76/100

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

  • GRADE-B B (76/100)
  • MID-PACK #2457/4307
  • PHOTO-FINISH Smackover State Bank · AR
  • TIER1-WELL 11.9% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-PAR 1.19% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Smackover State Bank, AR (±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 Nebraska, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Newington · GA · near76/100Citizens State Bank · NE · t…76/100Philo Exchange Bank · IL · n…76/100Smackover State Bank · AR · …76/100The First National B… · MN ·…76/100Tioga-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 #5495) carries a PlainBankData health grade of B at 76/100, 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 #2,457 of 4,307. Tier 1 capital prints at 11.87%, clearing the 10% well-capitalized line. The Texas Ratio is 1.24%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.19%. Balance-sheet scale is $640M, 1,485th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Smackover State Bank (AR), 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 Nebraska since 2000 (4 since 2008)

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

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

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

How Citizens State Bank's 76/100 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 avg77/10076/100
Citizens State Bank's composite health score
Tier 1 Capital Ratio (11.87%) 28/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (1.24%) 20/20
Efficiency Ratio (65.66%) 8/15

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

Balance sheet at a glance

Total Assets

$640M

Total balance-sheet footings

Total Deposits

$579M

Customer-funded liabilities

Net Loans

$492M

Outstanding loan book

Net Income

$7M

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.) 10.47% 11.87% 13.27%
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 76/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

76 43rd percentile higher than 43% 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 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 $640M falls in the highlighted band.

Safety ratios for Citizens State Bank

Tier 1 capital ratio
Well-capitalized 10%

11.87% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.87%
Texas Ratio
1.24%
Equity Capital
$55M

What these ratios mean →

Earnings posture at Citizens State Bank

Return on Assets (ROA)
57th percentile nationally
1.19%
Return on Equity (ROE)
14.10%
Efficiency Ratio
65.66%

What these mean →

Income & expense at Citizens State Bank

$34M
Interest Income
$2M
Non-Interest Income
$14M
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 1.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.24% - 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 Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($640M here), outside Nebraska so the neighborhood is not state containment.

Mt. McKinley Bank $641M · AK MidAmerica National Bank $640M · IL PS Bank $641M · PA Farmers & Merchants Bank of Colby $640M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens State Bank (FDIC Cert #5495) - 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 · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%