Citizens Savings Bank is a state-chartered bank headquartered in Marshalltown, Iowa, in business for about 119 years. At the end of Q2 2026 it reported $77.9M in total assets and $64.6M in deposits, with 3 offices.
Citizens Savings Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 107th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (49/100, 9.90%).
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 2 points (76 → 74), mostly because the earnings component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 76 |
| Q3 2025 | 77 |
| Q4 2025 | 77 |
| Q1 2026 | 79 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.34% |
| Q3 2024 | 9.57% |
| Q4 2024 | 9.46% |
| Q1 2025 | 9.37% |
| Q2 2025 | 9.52% |
| Q3 2025 | 9.76% |
| Q4 2025 | 9.98% |
| Q1 2026 | 10.46% |
| Q2 2026 | 9.90% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.25% |
| Q1 2025 | 1.36% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.33% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $77.9M | 9.90% | 0.00% | 1.07% | 76.4% |
| Q1 2026 | 79 | $76.9M | 10.46% | 0.00% | 1.38% | 75.6% |
| Q4 2025 | 77 | $75.4M | 9.98% | 0.00% | 1.33% | 76.3% |
| Q3 2025 | 77 | $78.1M | 9.76% | 0.00% | 1.47% | 74.8% |
| Q2 2025 | 76 | $78.6M | 9.52% | 0.00% | 1.43% | 72.9% |
| Q1 2025 | 76 | $76.5M | 9.37% | 0.00% | 1.36% | 73.7% |
| Q4 2024 | 75 | $77.6M | 9.46% | 0.00% | 1.25% | 73.7% |
| Q3 2024 | 75 | $71.5M | 9.57% | 0.00% | 1.38% | 85.1% |
| Q2 2024 | 75 | $75.6M | 9.34% | 0.00% | 1.34% | 78.6% |
546 peers · Under $100 million in assets
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers State BankBank Marcus, IA | 88 out of 100, Very strong | $77.2M | 13.2% | 0.51% | vs |
| Sloan State BankBank Sloan, IA | 53 out of 100, Below average | $78.9M | 10.9% | 4.28% | vs |
| State BankBank Spencer, IA | 61 out of 100, Moderate | $74.9M | 8.3% | 0.70% | vs |
| Tri-Valley BankBank Randolph, IA | 36 out of 100, Low | $82.8M | 9.3% | 4.09% | vs |
| Farmers State BankBank Yale, IA | 90 out of 100, Very strong | $72.6M | 12.0% | 0.00% | vs |
| First State BankBank Nashua, IA | 79 out of 100, Strong | $72.5M | 10.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens Savings Bank?
Yes. Citizens Savings Bank is an FDIC-insured institution (FDIC certificate #14785). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.2% of deposits ($12.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.90%, 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 Savings Bank lists 3 offices in 3 cities. Most locations:
- Gilman, IA (1)
- Le Grand, IA (1)
- Marshalltown, IA (1)
Identity & history
Profile
- Legal name
- Citizens Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14785
- RSSD ID
- 474544
- Primary regulator
- FDIC
- Holding company
- Gilman Investment Co
- Established
- January 1, 1907
- Headquarters
- 2414 S 2nd St, Marshalltown, IA 50158
- Website
- www.citizenssavingsbank.com
- Employees
- 14
Quick answers
Citizens Savings Bank: common questions
Is Citizens Savings Bank FDIC insured?
Yes. Citizens Savings Bank is an FDIC-insured institution (FDIC certificate #14785). 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 #14785 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 Marshalltown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Savings BankBank Marshalltown, IA | 85 out of 100, Very strong | $140.3M | 16.5% | 0.57% | vs |
| Pinnacle BankBank Marshalltown, IA | 82 out of 100, Strong | $324.4M | 14.7% | 0.75% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| First State BankBank Lynnville, IA | 75 out of 100, Strong | $384.2M | 9.8% | 0.21% | vs |
| Exchange State BankBank Ames, IA | 71 out of 100, Strong | $146.0M | 11.2% | 1.00% | vs |
| Alerus Financial, National AssociationBank Grand Forks, ND | 70 out of 100, Strong | $5.3B | 9.3% | 0.26% | vs |