Citizens State Bank (FDIC certificate #11759) is based in Wyoming, Iowa. Its Q2 2026 call report shows $137.7M in total assets and $112.0M in deposits and 4 offices.
Citizens State Bank has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 14th. Capital cushion contributes the most (100/100, 17.93%); earnings contributes the least (79/100, 1.47%).
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 24 points (67 → 91), mostly because the loan quality component improved by 86 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 89 |
| Q4 2024 | 85 |
| Q1 2025 | 65 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 93 |
| Q1 2026 | 89 |
| Q2 2026 | 91 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 19.88% |
| Q3 2024 | 19.40% |
| Q4 2024 | 19.05% |
| Q1 2025 | 18.24% |
| Q2 2025 | 18.39% |
| Q3 2025 | 19.22% |
| Q4 2025 | 18.83% |
| Q1 2026 | 17.77% |
| Q2 2026 | 17.93% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.71% |
| Q1 2025 | 3.19% |
| Q2 2025 | 2.82% |
| Q3 2025 | 2.79% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.22% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $137.7M | 17.93% | 0.25% | 1.47% | 68.7% |
| Q1 2026 | 89 | $136.8M | 17.77% | 0.37% | 1.18% | 64.9% |
| Q4 2025 | 93 | $125.1M | 18.83% | 0.08% | 1.40% | 70.1% |
| Q3 2025 | 68 | $123.9M | 19.22% | 2.79% | 1.47% | 75.6% |
| Q2 2025 | 67 | $126.9M | 18.39% | 2.82% | 1.40% | 74.9% |
| Q1 2025 | 65 | $127.5M | 18.24% | 3.19% | 1.27% | 71.1% |
| Q4 2024 | 85 | $126.4M | 19.05% | 0.71% | 1.15% | 72.2% |
| Q3 2024 | 89 | $123.4M | 19.40% | 0.25% | 1.22% | 74.5% |
| Q2 2024 | 90 | $119.2M | 19.88% | 0.11% | 1.17% | 77.0% |
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Corydon State BankBank Corydon, IA | 71 out of 100, Strong | $138.0M | 25.7% | 5.45% | vs |
| Community BankBank Dunlap, IA | 76 out of 100, Strong | $138.3M | 11.0% | 0.28% | vs |
| Union State BankBank Winterset, IA | 70 out of 100, Strong | $136.5M | 8.1% | 0.00% | vs |
| Farmers Savings BankBank Marshalltown, IA | 85 out of 100, Very strong | $140.3M | 16.5% | 0.57% | vs |
| The State Bank of ToledoBank Toledo, IA | 52 out of 100, Below average | $134.6M | 9.8% | 2.04% | vs |
| Bridge Community BankBank Mount Vernon, IA | 74 out of 100, Strong | $141.1M | 10.5% | 0.03% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #11759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.5% of deposits ($24.1M) 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 17.93%, 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%).
4 locations
Branches
Citizens State Bank lists 4 offices in 4 cities. Most locations:
- Maquoketa, IA (1)
- Olin, IA (1)
- Oxford Junction, IA (1)
- Wyoming, IA (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11759
- RSSD ID
- 212344
- Primary regulator
- FDIC
- Holding company
- C S B Holding Corp
- Established
- January 1, 1913
- Headquarters
- 114 W Main St, Wyoming, IA 52362
- Website
- www.csbwyoming.com
- Employees
- 19
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #11759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
91 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 State Bank ever failed?
There is no failure record for FDIC certificate #11759 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wyoming
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Maquoketa State BankBank Maquoketa, IA | 86 out of 100, Very strong | $429.0M | 16.4% | 0.52% | vs |
| Liberty Trust & Savings BankBank Durant, IA | 86 out of 100, Very strong | $186.2M | 20.7% | 0.86% | vs |
| Hills Bank and Trust CompanyBank Hills, IA | 84 out of 100, Strong | $4.8B | 13.4% | 0.40% | vs |
| Ohnward Bank & TrustBank Cascade, IA | 74 out of 100, Strong | $499.1M | 12.6% | 0.60% | vs |
| Citizens Savings BankBank Anamosa, IA | 74 out of 100, Strong | $165.9M | 9.5% | 0.00% | vs |
| Bridge Community BankBank Mount Vernon, IA | 74 out of 100, Strong | $141.1M | 10.5% | 0.03% | vs |