Citizens State Bank is a state-chartered bank headquartered in Sheldon, Iowa, in business for about 65 years. At the end of Q2 2026 it reported $194.7M in total assets and $166.1M in deposits, with 2 offices.
Citizens State Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 23rd. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (75/100, 78% loans-to-deposits, 21% uninsured).
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 5 points (82 → 87), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 81 |
| Q1 2025 | 82 |
| Q2 2025 | 82 |
| Q3 2025 | 83 |
| Q4 2025 | 82 |
| Q1 2026 | 86 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.50% |
| Q3 2024 | 10.69% |
| Q4 2024 | 11.46% |
| Q1 2025 | 11.89% |
| Q2 2025 | 11.72% |
| Q3 2025 | 12.18% |
| Q4 2025 | 11.74% |
| Q1 2026 | 12.00% |
| Q2 2026 | 12.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.23% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.31% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $194.7M | 12.45% | 0.00% | 1.74% | 78.3% |
| Q1 2026 | 86 | $197.1M | 12.00% | 0.03% | 1.74% | 74.1% |
| Q4 2025 | 82 | $198.8M | 11.74% | 0.00% | 1.40% | 71.9% |
| Q3 2025 | 83 | $193.2M | 12.18% | 0.00% | 1.34% | 72.4% |
| Q2 2025 | 82 | $188.4M | 11.72% | 0.00% | 1.31% | 73.2% |
| Q1 2025 | 82 | $185.6M | 11.89% | 0.00% | 1.24% | 72.5% |
| Q4 2024 | 81 | $183.9M | 11.46% | 0.00% | 1.23% | 72.7% |
| Q3 2024 | 75 | $184.5M | 10.69% | 0.17% | 1.03% | 75.1% |
| Q2 2024 | 75 | $193.7M | 10.50% | 0.00% | 0.97% | 76.4% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mount Vernon Bank and Trust CompanyBank Mount Vernon, IA | 82 out of 100, Strong | $195.5M | 13.0% | 0.21% | vs |
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| Chelsea Savings BankBank Belle Plaine, IA | 93 out of 100, Very strong | $196.9M | 16.0% | 0.24% | vs |
| State Bank & Trust Co.Bank Nevada, IA | 70 out of 100, Strong | $197.6M | 11.0% | 1.30% | vs |
| Farmers Trust & Savings BankBank Williamsburg, IA | 87 out of 100, Very strong | $191.6M | 23.1% | 0.34% | vs |
| Peoples Savings BankBank Wellsburg, IA | 56 out of 100, Moderate | $189.1M | 9.9% | 1.19% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #18356). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.7% of deposits ($34.4M) 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 12.45%, 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%).
2 locations
Branches
Citizens State Bank lists 2 offices in 2 cities. Most locations:
- Boyden, IA (1)
- Sheldon, IA (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18356
- RSSD ID
- 413543
- Primary regulator
- FDIC
- Holding company
- Dixon Bancshares Inc
- Established
- March 15, 1961
- Headquarters
- 808 3rd Ave, Sheldon, IA 51201
- Website
- www.csbsheldon.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 #18356). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
87 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 #18356 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sheldon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ashton State BankBank Ashton, IA | 84 out of 100, Strong | $54.5M | 14.7% | 0.88% | vs |
| The First National Bank of PrimgharBank Primghar, IA | 84 out of 100, Strong | $36.3M | 14.3% | 0.00% | vs |
| The Security National Bank of Sioux City, IowaBank Sioux City, IA | 81 out of 100, Strong | $1.7B | 12.8% | 0.26% | vs |
| Savings BankBank Primghar, IA | 80 out of 100, Strong | $304.8M | 13.6% | 0.32% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |
| Sibley State BankBank Sibley, IA | 77 out of 100, Strong | $104.4M | 11.0% | 0.46% | vs |