Citizens' Bank of Charleston (FDIC certificate #17830) is based in Charleston, Missouri. Its Q2 2026 call report shows $185.1M in total assets and $146.6M in deposits and 2 offices.
Citizens' Bank of Charleston has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 17th. Capital cushion contributes the most (100/100, 20.51%); funding & liquidity contributes the least (59/100, 101% loans-to-deposits, 10% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (89 → 86), mostly because the loan quality component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 91 |
| Q3 2024 | 90 |
| Q4 2024 | 90 |
| Q1 2025 | 90 |
| Q2 2025 | 89 |
| Q3 2025 | 88 |
| Q4 2025 | 87 |
| Q1 2026 | 86 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.23% |
| Q3 2024 | 19.65% |
| Q4 2024 | 18.69% |
| Q1 2025 | 19.07% |
| Q2 2025 | 20.22% |
| Q3 2025 | 20.24% |
| Q4 2025 | 19.22% |
| Q1 2026 | 19.46% |
| Q2 2026 | 20.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.65% |
| Q4 2025 | 0.91% |
| Q1 2026 | 1.03% |
| Q2 2026 | 0.83% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.28% |
| Q3 2024 | 2.27% |
| Q4 2024 | 1.95% |
| Q1 2025 | 2.08% |
| Q2 2025 | 2.08% |
| Q3 2025 | 2.12% |
| Q4 2025 | 1.97% |
| Q1 2026 | 2.36% |
| Q2 2026 | 2.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $185.1M | 20.51% | 0.83% | 2.47% | 101.5% |
| Q1 2026 | 86 | $185.0M | 19.46% | 1.03% | 2.36% | 94.6% |
| Q4 2025 | 87 | $188.8M | 19.22% | 0.91% | 1.97% | 90.2% |
| Q3 2025 | 88 | $183.2M | 20.24% | 0.65% | 2.12% | 100.7% |
| Q2 2025 | 89 | $175.6M | 20.22% | 0.61% | 2.08% | 99.8% |
| Q1 2025 | 90 | $180.0M | 19.07% | 0.67% | 2.08% | 84.6% |
| Q4 2024 | 90 | $185.8M | 18.69% | 0.71% | 1.95% | 81.1% |
| Q3 2024 | 90 | $177.4M | 19.65% | 0.69% | 2.27% | 88.4% |
| Q2 2024 | 91 | $174.1M | 19.23% | 0.50% | 2.28% | 87.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of Southwest MissouriBank Springfield, MO | 64 out of 100, Moderate | $183.8M | 7.5% | 0.00% | vs |
| F&M Bank and Trust CompanyBank Hannibal, MO | 66 out of 100, Moderate | $182.4M | 10.2% | 0.85% | vs |
| Citizens BankBank Butler, MO | 70 out of 100, Strong | $188.1M | 7.7% | 0.20% | vs |
| Progressive Ozark BankBank Salem, MO | 77 out of 100, Strong | $190.9M | 9.8% | 0.03% | vs |
| New Frontier BankBank Saint Charles, MO | 71 out of 100, Strong | $175.7M | 9.3% | 0.00% | vs |
| Adrian BankBank Adrian, MO | 85 out of 100, Very strong | $195.6M | 12.6% | 0.52% | vs |
Deposit insurance
Is my money safe at Citizens' Bank of Charleston?
Yes. Citizens' Bank of Charleston is an FDIC-insured institution (FDIC certificate #17830). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.8% of deposits ($14.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 20.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Citizens' Bank of Charleston lists 2 offices in 2 cities. Most locations:
- Charleston, MO (1)
- East Prairie, MO (1)
Identity & history
Profile
- Legal name
- Citizens' Bank of Charleston
- Type
- State-chartered bank
- FDIC certificate #
- 17830
- RSSD ID
- 376947
- Primary regulator
- FDIC
- Holding company
- Citizens Bcorp Inc
- Established
- January 20, 1958
- Headquarters
- 207 E Commercial St, Charleston, MO 63834
- Website
- www.citizensbankinfo.bank
- Employees
- 22
Quick answers
Citizens' Bank of Charleston: common questions
Is Citizens' Bank of Charleston FDIC insured?
Yes. Citizens' Bank of Charleston is an FDIC-insured institution (FDIC certificate #17830). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens' Bank of Charleston's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens' Bank of Charleston ever failed?
There is no failure record for FDIC certificate #17830 in the FDIC failed bank list.
How many branches does Citizens' Bank of Charleston have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Charleston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alliance BankBank Cape Girardeau, MO | 84 out of 100, Strong | $391.3M | 13.6% | 0.26% | vs |
| St. Augustine Credit UnionCredit union Kelso, MO | 83 out of 100, Strong | $1.5M | 14.4% | 0.00% | vs |
| The Bank of AdvanceBank Advance, MO | 81 out of 100, Strong | $509.9M | 13.0% | 0.75% | vs |
| Sikeston Public Schools Credit UnionCredit union Sikeston, MO | 79 out of 100, Strong | $5.5M | 18.9% | 1.89% | vs |
| Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY | 77 out of 100, Strong | $348.2M | 13.7% | 0.94% | vs |
| Focus BankBank Charleston, MO | 75 out of 100, Strong | $854.1M | 12.6% | 0.85% | vs |