Total Assets
$79M
Total balance-sheet footings
FDIC Cert #8632 · Mohall, North Dakota · Est. 1915
The Citizens State Bank at Mohall - FDIC Bank Health Profile
A community-scale look at The Citizens State Bank at Mohall's own numbers, pulled straight from its quarterly FDIC Call Report.
- $79M
- Total assets
- B
- Health grade · Good
- 0.95%
- Return on assets
- 13.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Citizens State Bank at Mohall earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.84% Tier 1, 0.95% ROA, 75% efficiency ratio.
- #3,912
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 13.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 39th
- 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 The Citizens State Bank at Mohall's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Citizens State Bank at Mohall's composite health score
Tier 1 Capital Ratio (13.84%) 35/40
Return on Assets (ROA) (0.95%) 14/25
Texas Ratio (4.53%) 20/20
Efficiency Ratio (74.70%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$66M
Customer-funded liabilities
Net Loans
$58M
Outstanding loan book
Net Income
$727K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Citizens State Bank at Mohall ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens State Bank at Mohall's score of 73/100 falls in the highlighted band.
The Citizens State Bank at Mohall'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). The Citizens State Bank at Mohall's $79M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.84%
Texas Ratio
4.53%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
39th percentile nationally
0.95%
Return on Equity (ROE)
8.36%
Efficiency Ratio
74.70%
What the numbers say about The Citizens State Bank at Mohall
The Citizens State Bank at Mohall is an FDIC-insured institution (Certificate #8632) headquartered in Mohall, North Dakota, established in 1915. It holds $79M in total assets - 3,912th of 4,313 FDIC-insured banks, $66M in customer deposits, and $58M in net loans. Looking at capital strength, Tier 1 stands at 13.84%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.53%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Citizens State Bank at Mohall ranks 49th of 61 banks based in North Dakota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$4M
Interest Income
$88K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens State Bank at Mohall reports a Texas Ratio of 4.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens State Bank at Mohall (FDIC Cert #8632) - 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 North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
Frequently asked questions
What is The Citizens State Bank at Mohall's health grade?▼
The Citizens State Bank at Mohall receives a health grade of B (73/100) 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 The Citizens State Bank at Mohall?▼
The Citizens State Bank at Mohall holds $79M in total assets and $66M in deposits, ranking 3,912th of 4,313 FDIC-insured banks by asset size. It is headquartered in Mohall, North Dakota.
Is my money safe at The Citizens State Bank at Mohall?▼
Yes, deposits at The Citizens State Bank at Mohall (Certificate #8632) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Citizens State Bank at Mohall's Tier 1 Capital Ratio?▼
The Citizens State Bank at Mohall has a Tier 1 Capital Ratio of 13.84%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Citizens State Bank at Mohall?▼
The Citizens State Bank at Mohall has a Texas Ratio of 4.53%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Citizens State Bank at Mohall?▼
The Citizens State Bank at Mohall has an Efficiency Ratio of 74.70%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Citizens State Bank at Mohall's profile as a depositor or analyst.
- The Citizens State Bank at Mohall's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens State Bank at Mohall against other North Dakota banks before moving funds. North Dakota 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.