Citizens Community Bank (FDIC certificate #12694) is based in Pilot Grove, Missouri. Its Q2 2026 call report shows $142.6M in total assets and $125.9M in deposits and 3 offices.
Based on its Q2 2026 filing, Citizens Community Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 56th. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is capital cushion (66/100; 11.56%).
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 rose 5 points (74 → 79), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 77 |
| Q4 2024 | 77 |
| Q1 2025 | 74 |
| Q2 2025 | 74 |
| Q3 2025 | 72 |
| Q4 2025 | 73 |
| Q1 2026 | 80 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.04% |
| Q3 2024 | 11.92% |
| Q4 2024 | 11.91% |
| Q1 2025 | 11.54% |
| Q2 2025 | 11.37% |
| Q3 2025 | 11.57% |
| Q4 2025 | 11.69% |
| Q1 2026 | 11.58% |
| Q2 2026 | 11.56% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.62% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.95% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $142.6M | 11.56% | 0.27% | 1.19% | 75.7% |
| Q1 2026 | 80 | $144.3M | 11.58% | 0.22% | 1.25% | 73.2% |
| Q4 2025 | 73 | $138.1M | 11.69% | 0.66% | 0.95% | 76.1% |
| Q3 2025 | 72 | $137.1M | 11.57% | 0.75% | 0.87% | 75.0% |
| Q2 2025 | 74 | $138.5M | 11.37% | 0.35% | 0.76% | 71.4% |
| Q1 2025 | 74 | $138.6M | 11.54% | 0.38% | 0.62% | 69.2% |
| Q4 2024 | 77 | $130.8M | 11.91% | 0.19% | 0.85% | 75.9% |
| Q3 2024 | 77 | $130.5M | 11.92% | 0.20% | 0.86% | 76.9% |
| Q2 2024 | 74 | $126.8M | 12.04% | 0.58% | 0.87% | 78.5% |
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 |
|---|---|---|---|---|---|
| Four States BankBank Carthage, MO | 76 out of 100, Strong | $142.1M | 15.8% | 0.00% | vs |
| Bank of CrockerBank Waynesville, MO | 58 out of 100, Moderate | $143.3M | 12.8% | 2.75% | vs |
| Community Bank of El Dorado SpringsBank El Dorado Springs, MO | 98 out of 100, Very strong | $143.6M | 16.6% | 0.09% | vs |
| Alton BankBank Alton, MO | 63 out of 100, Moderate | $145.0M | 8.0% | 0.52% | vs |
| Jonesburg State BankBank Jonesburg, MO | 81 out of 100, Strong | $145.6M | 9.9% | 0.00% | vs |
| Independent Farmers BankBank Maysville, MO | 71 out of 100, Strong | $146.5M | 10.5% | 0.66% | vs |
Deposit insurance
Is my money safe at Citizens Community Bank?
Yes. Citizens Community Bank is an FDIC-insured institution (FDIC certificate #12694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.8% of deposits ($12.3M) 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 11.56%, 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%).
3 locations
Branches
Citizens Community Bank lists 3 offices in 3 cities. Most locations:
- Blackwater, MO (1)
- Boonville, MO (1)
- Pilot Grove, MO (1)
Identity & history
Profile
- Legal name
- Citizens Community Bank
- Former names
- The Citizens' Bank of Pilot Grove, Mo.; The Citizens Bank of Pilot Grove, Mo.
- Type
- State-chartered bank
- FDIC certificate #
- 12694
- RSSD ID
- 578554
- Primary regulator
- FDIC
- Holding company
- Bancorp II Inc
- Established
- August 26, 1913
- Headquarters
- 100 Roe St, Pilot Grove, MO 65276
- Website
- www.ccb-online.net
- Employees
- 21
Quick answers
Citizens Community Bank: common questions
Is Citizens Community Bank FDIC insured?
Yes. Citizens Community Bank is an FDIC-insured institution (FDIC certificate #12694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Community Bank's TellerScore?
79 out of 100 (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 Community Bank ever failed?
There is no failure record for FDIC certificate #12694 in the FDIC failed bank list.
How many branches does Citizens Community Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pilot Grove
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Bank 21Bank Carrollton, MO | 79 out of 100, Strong | $202.1M | 11.5% | 0.05% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Hawthorn BankBank Jefferson City, MO | 75 out of 100, Strong | $1.8B | 11.3% | 0.47% | vs |
| Peoples Bank of Moniteau CountyBank Jamestown, MO | 75 out of 100, Strong | $83.2M | 11.1% | 0.72% | vs |