TellerScore

Citizens Savings Bank is a state-chartered bank headquartered in Anamosa, Iowa, in business for about 120 years. At the end of Q2 2026 it reported $165.9M in total assets and $151.3M in deposits, with 2 offices.

Citizens Savings Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 104th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (45/100, 9.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.50%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 45.4% · 27.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 74).

TellerScore
717374Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202472
Q4 202471
Q1 202571
Q2 202573
Q3 202572
Q4 202573
Q1 202673
Q2 202674
Tier 1 leverage ratio
5.00%7.61%10.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.96%
Q3 202410.22%
Q4 20249.45%
Q1 20259.38%
Q2 20259.61%
Q3 20259.83%
Q4 20259.59%
Q1 20269.66%
Q2 20269.50%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.74%0.88%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.75%
Q4 20240.78%
Q1 20250.84%
Q2 20250.85%
Q3 20250.88%
Q4 20250.89%
Q1 20260.91%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$165.9M9.50%0.00%1.02%45.4%
Q1 202673$175.0M9.66%0.00%0.91%43.7%
Q4 202573$159.7M9.59%0.00%0.89%49.1%
Q3 202572$172.5M9.83%0.00%0.88%43.5%
Q2 202573$155.2M9.61%0.00%0.85%45.6%
Q1 202571$169.6M9.38%0.00%0.84%40.6%
Q4 202471$160.8M9.45%0.00%0.78%42.9%
Q3 202472$166.8M10.22%0.00%0.75%37.5%
Q2 202473$150.6M9.96%0.00%0.74%41.9%

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).

Capital ratio9.50%
21st
Total risk-based capital18.36%
82nd
Problem loans0.00%
94th
Net charge-offs-0.01%
87th
Return on assets1.02%
35th
Net interest margin2.97%
9th
Efficiency ratio63.9%
46th
Loans to deposits45.4%
94th
Uninsured deposits27.7%
36th
Loan-loss reserves1.04%
30th
Texas ratio0.0%
95th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Bank 1stBank West Union, IA91 out of 100, Very strong$166.1M15.2%0.00%vs
Union State BankBank Greenfield, IA71 out of 100, Strong$168.7M9.3%0.51%vs
Templeton Savings BankBank Templeton, IA93 out of 100, Very strong$169.6M14.5%0.00%vs
Atkins Savings Bank & TrustBank Atkins, IA83 out of 100, Strong$172.2M11.9%0.05%vs
Boone Bank & Trust Co.Bank Boone, IA48 out of 100, Below average$156.9M9.7%2.45%vs
Hiawatha Bank and Trust CompanyBank Hiawatha, IA74 out of 100, Strong$156.9M11.0%0.22%vs

Deposit insurance

Is my money safe at Citizens Savings Bank?

Yes. Citizens Savings Bank is an FDIC-insured institution (FDIC certificate #10125). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.7% of deposits ($41.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.50%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.36% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Citizens Savings Bank lists 2 offices in 2 cities. Most locations:

  • Anamosa, IA (1)
  • Tipton, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Citizens Savings Bank
Type
State-chartered bank
FDIC certificate #
10125
RSSD ID
758842
Primary regulator
FDIC
Holding company
First Cmty Bancshares Corp
Established
November 8, 1906
Headquarters
215 E Main St, Anamosa, IA 52205
Employees
21

Quick answers

Citizens Savings Bank: common questions

Is Citizens Savings Bank FDIC insured?

Yes. Citizens Savings Bank is an FDIC-insured institution (FDIC certificate #10125). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Savings Bank's TellerScore?

74 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 Savings Bank ever failed?

There is no failure record for FDIC certificate #10125 in the FDIC failed bank list.

How many branches does Citizens Savings Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Anamosa

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State BankBank Wyoming, IA91 out of 100, Very strong$137.7M17.9%0.25%vs
Farmers State BankBank Marion, IA91 out of 100, Very strong$1.1B14.4%0.21%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
Hills Bank and Trust CompanyBank Hills, IA84 out of 100, Strong$4.8B13.4%0.40%vs
Mount Vernon Bank and Trust CompanyBank Mount Vernon, IA82 out of 100, Strong$195.5M13.0%0.21%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs