Citizens State Bank is a state-chartered bank headquartered in Hudson, Wisconsin, in business for about 122 years. At the end of Q2 2026 it reported $488.2M in total assets and $410.5M in deposits, with 5 offices.
Based on its Q2 2026 filing, Citizens State Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 112th. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is funding & liquidity (47/100; 96% loans-to-deposits, 30% 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 4 points (62 → 66), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 62 |
| Q3 2025 | 65 |
| Q4 2025 | 66 |
| Q1 2026 | 66 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.06% |
| Q3 2024 | 9.29% |
| Q4 2024 | 9.44% |
| Q1 2025 | 9.45% |
| Q2 2025 | 9.49% |
| Q3 2025 | 9.56% |
| Q4 2025 | 9.80% |
| Q1 2026 | 9.67% |
| Q2 2026 | 10.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.68% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.91% |
| Q2 2025 | 0.95% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $488.2M | 10.02% | 0.43% | 1.21% | 96.4% |
| Q1 2026 | 66 | $488.1M | 9.67% | 0.46% | 1.22% | 96.2% |
| Q4 2025 | 66 | $477.7M | 9.80% | 0.26% | 1.06% | 99.8% |
| Q3 2025 | 65 | $470.4M | 9.56% | 0.32% | 1.03% | 95.9% |
| Q2 2025 | 62 | $463.3M | 9.49% | 0.57% | 0.95% | 96.8% |
| Q1 2025 | 60 | $461.3M | 9.45% | 0.68% | 0.91% | 97.9% |
| Q4 2024 | 60 | $452.9M | 9.44% | 0.66% | 0.92% | 100.5% |
| Q3 2024 | 60 | $441.3M | 9.29% | 0.64% | 0.84% | 94.9% |
| Q2 2024 | 62 | $443.4M | 9.06% | 0.42% | 0.72% | 90.0% |
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 Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oak BankBank Fitchburg, WI | 77 out of 100, Strong | $486.3M | 12.3% | 0.04% | vs |
| BLC Community BankBank Little Chute, WI | 73 out of 100, Strong | $475.5M | 10.2% | 0.02% | vs |
| State Bank FinancialBank La Crosse, WI | 73 out of 100, Strong | $512.1M | 9.9% | 0.11% | vs |
| State Bank of ChiltonBank Chilton, WI | 80 out of 100, Strong | $516.5M | 12.7% | 0.58% | vs |
| Woodford State BankBank Monroe, WI | 66 out of 100, Moderate | $523.4M | 8.1% | 0.36% | vs |
| Coulee BankBank La Crosse, WI | 39 out of 100, Low | $524.4M | 9.1% | 2.50% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #6194). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.1% of deposits ($123.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.02%, 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%).
5 locations
Branches
Citizens State Bank lists 5 offices in 5 cities. Most locations:
- Elmwood, WI (1)
- Hudson, WI (1)
- Menomonie, WI (1)
- Roberts, WI (1)
- Woodville, WI (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 6194
- RSSD ID
- 867856
- Primary regulator
- FDIC
- Holding company
- Citizens Bancshares Woodville
- Established
- July 15, 1904
- Headquarters
- 375 Stageline Rd, Hudson, WI 54016
- Website
- www.csbnet.net
- Employees
- 67
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #6194). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
66 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 #6194 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hudson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Pipefitters-Steamfitters Credit UnionCredit union Woodbury, MN | 83 out of 100, Strong | $51.6M | 13.4% | 1.07% | vs |
| Security State Bank of MarineBank Marine On St. Croix, MN | 82 out of 100, Strong | $232.5M | 10.9% | 0.13% | vs |
| Riverview Credit UnionCredit union South Saint Pau, MN | 81 out of 100, Strong | $7.9M | 16.4% | 0.00% | vs |
| Westconsin Credit UnionCredit union Menomonie, WI | 78 out of 100, Strong | $2.2B | 12.9% | 0.64% | vs |