TellerScore

Headquartered in Wisner, Nebraska, Citizens State Bank is a state-chartered bank (fed member) with $653.0M in total assets and $592.2M in deposits as of Q2 2026. It operates 17 offices. Its charter dates back to 1888.

Citizens State Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 81st. Problem-loan coverage contributes the most (94/100, 3.0%); capital cushion contributes the least (51/100, 10.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.07%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 84.4% · 18.9% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.01%

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 (73 → 72).

TellerScore
707376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202476
Q4 202473
Q1 202570
Q2 202573
Q3 202574
Q4 202573
Q1 202673
Q2 202672
Tier 1 leverage ratio
5.00%7.76%10.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.43%
Q3 202410.51%
Q4 202410.21%
Q1 20259.84%
Q2 202510.15%
Q3 202510.37%
Q4 202510.40%
Q1 202610.08%
Q2 202610.07%
Noncurrent loans
0.00%0.17%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.15%
Q1 20250.33%
Q2 20250.19%
Q3 20250.20%
Q4 20250.16%
Q1 20260.15%
Q2 20260.20%
Return on assets
1.07%1.14%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20241.11%
Q4 20241.08%
Q1 20251.07%
Q2 20251.15%
Q3 20251.18%
Q4 20251.19%
Q1 20261.19%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$653.0M10.07%0.20%1.22%84.4%
Q1 202673$653.5M10.08%0.15%1.19%82.7%
Q4 202573$640.5M10.40%0.16%1.19%85.0%
Q3 202574$610.2M10.37%0.20%1.18%81.8%
Q2 202573$601.6M10.15%0.19%1.15%82.5%
Q1 202570$617.4M9.84%0.33%1.07%79.1%
Q4 202473$586.7M10.21%0.15%1.08%84.0%
Q3 202476$578.6M10.51%0.00%1.11%80.5%
Q2 202476$570.0M10.43%0.00%1.13%79.6%

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).

Capital ratio10.07%
33rd
Total risk-based capital13.27%
58th
Problem loans0.20%
65th
Net charge-offs0.01%
43rd
Return on assets1.22%
48th
Net interest margin3.47%
27th
Efficiency ratio66.0%
39th
Loans to deposits84.4%
39th
Uninsured deposits18.9%
68th
Loan-loss reserves1.44%
75th
Texas ratio3.0%
48th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Bruning BankBank Bruning, NE74 out of 100, Strong$659.9M10.0%0.00%vs
Washington County BankBank Blair, NE83 out of 100, Strong$662.3M12.8%0.34%vs
Henderson State BankBank Henderson, NE72 out of 100, Strong$678.5M10.4%0.27%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Arbor BankBank Nebraska City, NE57 out of 100, Moderate$701.7M8.7%1.03%vs

Deposit insurance

Is my money safe at Citizens State Bank?

Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #5495). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.9% of deposits ($112.0M) 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 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.27% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

Citizens State Bank lists 10 offices in 9 cities. Most locations:

  • Plattsmouth, NE (2)
  • Friend, NE (1)
  • Laurel, NE (1)
  • Leigh, NE (1)
  • Newman Grove, NE (1)
  • Papillion, NE (1)
  • Spalding, NE (1)
  • West Point, NE (1)
  • Wisner, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens State Bank reported 74 home-loan applications under HMDA (LEI 549300DSTDSDB6L4H829): 58 originated ($11,490,000 total), 7 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, 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.

Identity & history

Profile

Legal name
Citizens State Bank
Former names
The Citizens National Bank of Wisner; Citizens National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
5495
RSSD ID
482053
Primary regulator
FED
Holding company
Citizens National Corp
Established
October 19, 1888
Headquarters
921 Avenue E, Wisner, NE 68791
Employees
80

Quick answers

Citizens State Bank: common questions

Is Citizens State Bank FDIC insured?

Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #5495). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens State Bank's TellerScore?

72 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 #5495 in the FDIC failed bank list.

How many branches does Citizens State Bank have?

17 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wisner

InstitutionScoreAssetsCapitalProblem loansCompare
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs
Clarkson BankBank Clarkson, NE82 out of 100, Strong$81.4M11.0%0.19%vs
Battle Creek State BankBank Battle Creek, NE81 out of 100, Strong$71.0M14.4%0.00%vs