Citizens State Bank is a state-chartered bank headquartered in Carleton, Nebraska, in business for about 136 years. At the end of Q2 2026 it reported $35.6M in total assets and $27.8M in deposits, with 1 office.
Based on its Q2 2026 filing, Citizens State Bank scores 78/100, which we describe as strong. That is higher than 60% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 52nd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (50/100; 112% loans-to-deposits, 4% 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 14 points (64 → 78), mostly because the loan quality component improved by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 77 |
| Q2 2025 | 64 |
| Q3 2025 | 69 |
| Q4 2025 | 71 |
| Q1 2026 | 78 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.81% |
| Q3 2024 | 10.52% |
| Q4 2024 | 10.57% |
| Q1 2025 | 11.44% |
| Q2 2025 | 11.20% |
| Q3 2025 | 10.52% |
| Q4 2025 | 10.49% |
| Q1 2026 | 11.29% |
| Q2 2026 | 11.43% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.99% |
| 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 | 1.04% |
| Q3 2024 | 1.10% |
| Q4 2024 | 0.95% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.11% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.89% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $35.6M | 11.43% | 0.00% | 1.49% | 112.1% |
| Q1 2026 | 78 | $33.2M | 11.29% | 0.00% | 1.55% | 109.2% |
| Q4 2025 | 71 | $36.1M | 10.49% | 0.00% | 0.89% | 107.7% |
| Q3 2025 | 69 | $34.9M | 10.52% | 0.00% | 0.79% | 112.2% |
| Q2 2025 | 64 | $32.8M | 11.20% | 0.99% | 1.11% | 111.4% |
| Q1 2025 | 77 | $32.0M | 11.44% | 0.00% | 1.27% | 106.2% |
| Q4 2024 | 71 | $32.5M | 10.57% | 0.00% | 0.95% | 117.4% |
| Q3 2024 | 72 | $33.3M | 10.52% | 0.00% | 1.10% | 114.7% |
| Q2 2024 | 73 | $31.2M | 10.81% | 0.00% | 1.04% | 103.7% |
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 Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nebraska State BankBank Bristow, NE | 55 out of 100, Moderate | $36.6M | 13.4% | 2.26% | vs |
| Bank of MeadBank Mead, NE | 76 out of 100, Strong | $39.7M | 10.1% | 0.00% | vs |
| Corn Growers State BankBank Murdock, NE | 54 out of 100, Below average | $40.3M | 8.0% | 0.87% | vs |
| Nebraska State BankBank Lynch, NE | 50 out of 100, Below average | $25.4M | 11.3% | 3.18% | vs |
| Boelus State BankBank Boelus, NE | 95 out of 100, Very strong | $24.4M | 15.0% | 0.00% | vs |
| First State BankBank Hordville, NE | 77 out of 100, Strong | $46.8M | 12.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #18724). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.4% of deposits ($1.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.43%, 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%).
1 location
Branches
Citizens State Bank lists 1 office in 1 city. Most locations:
- Carleton, NE (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18724
- RSSD ID
- 235558
- Primary regulator
- FDIC
- Holding company
- Carleton Agency Inc
- Established
- February 1, 1890
- Headquarters
- 209 3rd St, Carleton, NE 68326
- Website
- www.carletonbank.com
- Employees
- 5
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #18724). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
78 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 State Bank ever failed?
There is no failure record for FDIC certificate #18724 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Carleton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| York State BankBank York, NE | 90 out of 100, Very strong | $200.2M | 13.9% | 0.20% | vs |
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |
| Thayer County BankBank Hebron, NE | 81 out of 100, Strong | $88.5M | 13.0% | 0.32% | vs |
| Heartland BankBank Geneva, NE | 80 out of 100, Strong | $911.1M | 10.3% | 0.13% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| Farmers and Merchants BankBank Milligan, NE | 78 out of 100, Strong | $215.4M | 11.1% | 0.19% | vs |