Citizens State Bank is a state-chartered bank headquartered in Cadott, Wisconsin, in business for about 124 years. At the end of Q2 2026 it reported $237.6M in total assets and $196.8M in deposits, with 6 offices.
Citizens State Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 131st. Problem-loan coverage contributes the most (80/100, 10.0%); capital cushion contributes the least (38/100, 8.77%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 58).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 56 |
| Q4 2024 | 57 |
| Q1 2025 | 60 |
| Q2 2025 | 59 |
| Q3 2025 | 51 |
| Q4 2025 | 59 |
| Q1 2026 | 55 |
| Q2 2026 | 58 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.22% |
| Q3 2024 | 8.10% |
| Q4 2024 | 8.01% |
| Q1 2025 | 8.21% |
| Q2 2025 | 8.31% |
| Q3 2025 | 8.33% |
| Q4 2025 | 8.27% |
| Q1 2026 | 8.31% |
| Q2 2026 | 8.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.45% |
| Q3 2025 | 1.23% |
| Q4 2025 | 0.44% |
| Q1 2026 | 1.08% |
| Q2 2026 | 0.99% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.84% |
| Q1 2026 | 1.14% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $237.6M | 8.77% | 0.99% | 1.21% | 100.5% |
| Q1 2026 | 55 | $242.6M | 8.31% | 1.08% | 1.14% | 99.3% |
| Q4 2025 | 59 | $254.1M | 8.27% | 0.44% | 0.84% | 95.5% |
| Q3 2025 | 51 | $241.9M | 8.33% | 1.23% | 0.83% | 97.1% |
| Q2 2025 | 59 | $233.5M | 8.31% | 0.45% | 0.79% | 101.0% |
| Q1 2025 | 60 | $230.8M | 8.21% | 0.40% | 0.79% | 100.8% |
| Q4 2024 | 57 | $237.6M | 8.01% | 0.51% | 0.60% | 94.1% |
| Q3 2024 | 56 | $238.7M | 8.10% | 0.55% | 0.52% | 94.0% |
| Q2 2024 | 56 | $231.4M | 8.22% | 0.54% | 0.47% | 89.8% |
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 Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Great North BankBank Florence, WI | 44 out of 100, Below average | $233.4M | 8.8% | 1.40% | vs |
| Farmers & Merchants State BankBank Waterloo, WI | 72 out of 100, Strong | $245.6M | 11.1% | 0.00% | vs |
| Cleveland State BankBank Cleveland, WI | 69 out of 100, Moderate | $246.5M | 9.2% | 0.30% | vs |
| Community Bank of CameronBank Cameron, WI | 73 out of 100, Strong | $226.9M | 9.0% | 0.53% | vs |
| Bank of MiltonBank Milton, WI | 53 out of 100, Below average | $221.4M | 9.5% | 2.34% | vs |
| Security BankBank New Auburn, WI | 69 out of 100, Moderate | $253.8M | 11.6% | 1.19% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #2467). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.9% of deposits ($33.3M) 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 8.77%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.03% (benchmark: 10%).
6 locations
Branches
Citizens State Bank lists 6 offices in 5 cities. Most locations:
- Cadott, WI (2)
- Chippewa Falls, WI (1)
- Cornell, WI (1)
- Prentice, WI (1)
- Stratford, WI (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 2467
- RSSD ID
- 149150
- Primary regulator
- FDIC
- Holding company
- Citizens Bcorp Inc
- Established
- August 20, 1902
- Headquarters
- 304 N Main St, Cadott, WI 54727
- Website
- csbankcadott.com
- Employees
- 43
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #2467). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
58 out of 100 (Moderate), 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 #2467 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cadott
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northwestern BankBank Chippewa Falls, WI | 80 out of 100, Strong | $725.6M | 11.2% | 0.03% | vs |
| Dairy State BankBank Rice Lake, WI | 80 out of 100, Strong | $730.3M | 12.0% | 0.06% | vs |
| Westconsin Credit UnionCredit union Menomonie, WI | 78 out of 100, Strong | $2.2B | 12.9% | 0.64% | vs |
| Citizens State Bank of La CrosseBank La Crosse, WI | 76 out of 100, Strong | $648.5M | 13.4% | 1.06% | vs |
| Wnb Financial, N.A.Bank Winona, MN | 76 out of 100, Strong | $583.7M | 10.3% | 0.08% | vs |
| Independence State BankBank Independence, WI | 75 out of 100, Strong | $84.2M | 10.4% | 0.00% | vs |