TellerScore

Citizens Savings Bank (FDIC certificate #12128) is based in Spillville, Iowa. Its Q2 2026 call report shows $151.1M in total assets and $129.2M in deposits and 3 offices.

Based on its Q2 2026 filing, Citizens Savings Bank scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 20th. Its strongest component is capital cushion (100/100; 15.54%), and its lowest is earnings (47/100; 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.54%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity96/100
Loans ÷ deposits and uninsured-deposit share: 52.1% · 18.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.20%

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 3 points (85 → 88), mostly because the earnings component improved by 11 points.

TellerScore
647688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202483
Q4 202485
Q1 202586
Q2 202585
Q3 202581
Q4 202586
Q1 202688
Q2 202688
Tier 1 leverage ratio
5.00%10.32%15.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202415.42%
Q3 202415.37%
Q4 202415.42%
Q1 202515.51%
Q2 202515.61%
Q3 202515.63%
Q4 202515.55%
Q1 202615.48%
Q2 202615.54%
Noncurrent loans
0.04%1.20%2.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20242.37%
Q3 20240.32%
Q4 20240.04%
Q1 20250.04%
Q2 20250.22%
Q3 20250.69%
Q4 20250.11%
Q1 20260.18%
Q2 20260.05%
Return on assets
0.23%0.47%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.31%
Q3 20240.27%
Q4 20240.23%
Q1 20250.36%
Q2 20250.40%
Q3 20250.46%
Q4 20250.45%
Q1 20260.70%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$151.1M15.54%0.05%0.67%52.1%
Q1 202688$147.5M15.48%0.18%0.70%51.3%
Q4 202586$144.8M15.55%0.11%0.45%53.7%
Q3 202581$141.9M15.63%0.69%0.46%56.5%
Q2 202585$136.1M15.61%0.22%0.40%52.9%
Q1 202586$136.4M15.51%0.04%0.36%52.3%
Q4 202485$138.3M15.42%0.04%0.23%54.1%
Q3 202483$139.8M15.37%0.32%0.27%52.8%
Q2 202464$139.1M15.42%2.37%0.31%53.4%

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 ratio15.54%
89th
Total risk-based capital0.00%
24th
Problem loans0.05%
79th
Net charge-offs0.00%
68th
Return on assets0.67%
18th
Net interest margin2.25%
2nd
Efficiency ratio61.3%
53rd
Loans to deposits52.1%
90th
Uninsured deposits18.6%
70th
Loan-loss reserves1.80%
90th
Texas ratio0.2%
83rd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State BankBank Algona, IA76 out of 100, Strong$150.5M12.7%0.91%vs
Readlyn Savings BankBank Readlyn, IA66 out of 100, Moderate$148.3M19.3%3.04%vs
Farmers Trust & Savings BankBank Earling, IA77 out of 100, Strong$148.1M9.0%0.00%vs
Audubon State BankBank Audubon, IA78 out of 100, Strong$155.3M10.5%0.20%vs
Federation BankBank Washington, IA83 out of 100, Strong$155.8M10.5%0.20%vs
Exchange State BankBank Ames, IA71 out of 100, Strong$146.0M11.2%1.00%vs

Deposit insurance

Is my money safe at Citizens Savings Bank?

Yes. Citizens Savings Bank is an FDIC-insured institution (FDIC certificate #12128). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.6% of deposits ($24.0M) 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 15.54%, 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%).

Check how much of your own balance is covered

3 locations

Branches

Citizens Savings Bank lists 3 offices in 3 cities. Most locations:

  • Fort Atkinson, IA (1)
  • Protivin, IA (1)
  • Spillville, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Citizens Savings Bank
Type
State-chartered bank
FDIC certificate #
12128
RSSD ID
544447
Primary regulator
FDIC
Established
January 1, 1908
Headquarters
101 Church St, Spillville, IA 52168
Employees
12

Quick answers

Citizens Savings Bank: common questions

Is Citizens Savings Bank FDIC insured?

Yes. Citizens Savings Bank is an FDIC-insured institution (FDIC certificate #12128). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Savings Bank's TellerScore?

88 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 Savings Bank ever failed?

There is no failure record for FDIC certificate #12128 in the FDIC failed bank list.

How many branches does Citizens Savings Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Spillville

InstitutionScoreAssetsCapitalProblem loansCompare
Bank 1stBank West Union, IA91 out of 100, Very strong$166.1M15.2%0.00%vs
Maynard Savings BankBank Maynard, IA83 out of 100, Strong$108.4M15.1%1.00%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
Kerndt Brothers Savings BankBank Lansing, IA79 out of 100, Strong$347.2M10.9%0.65%vs
Waukon State BankBank Waukon, IA78 out of 100, Strong$426.9M10.4%0.00%vs
Northeast Security BankBank Sumner, IA77 out of 100, Strong$461.9M10.8%0.00%vs