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.

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).

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 Pennsylvania

Yes. Citizens Savings Bank is an FDIC-insured institution (FDIC certificate #31184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 6.7% of deposits ($20.3M) 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 15.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.21% (benchmark: 10%).

Check how much of your own balance is covered

Citizens Savings Bank lists 6 offices in 5 cities. Most locations:

• Scranton, PA (2)
• Clarks Summit, PA (1)
• Honesdale, PA (1)
• Mount Pocono, PA (1)
• Taylor, PA (1)

All branch addresses and map

In 2025, Citizens Savings Bank reported 186 home-loan applications under HMDA (LEI 549300CDGL2OULMP7388): 155 originated ($20,505,000 total), 10 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Citizens Savings Bank

Former names

Citizens Savings Association

Type

Savings bank

FDIC certificate #

31184

RSSD ID

828473

Primary regulator

OCC

Established

January 1, 1902

Headquarters

500 S State St, Clarks Summit, PA 18411

Website

citizens-savings.com

Employees

56