Citizens State Bank is a state-chartered bank (fed member) headquartered in Royal Oak, Michigan, in business for about 116 years. At the end of Q2 2026 it reported $581.0M in total assets and $530.5M in deposits, with 3 offices.
Based on its Q2 2026 filing, Citizens State Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 34th. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is capital cushion (36/100; 8.58%).
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 12 points (58 → 70), mostly because the loan quality component improved by 46 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 78 |
| Q4 2024 | 72 |
| Q1 2025 | 70 |
| Q2 2025 | 58 |
| Q3 2025 | 68 |
| Q4 2025 | 61 |
| Q1 2026 | 72 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.07% |
| Q3 2024 | 10.01% |
| Q4 2024 | 9.77% |
| Q1 2025 | 9.29% |
| Q2 2025 | 9.37% |
| Q3 2025 | 9.07% |
| Q4 2025 | 9.01% |
| Q1 2026 | 8.85% |
| Q2 2026 | 8.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.38% |
| Q2 2025 | 1.57% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.17% |
| Q3 2024 | 2.13% |
| Q4 2024 | 1.69% |
| Q1 2025 | 1.66% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.80% |
| Q2 2026 | 1.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $581.0M | 8.58% | 0.18% | 1.83% | 84.9% |
| Q1 2026 | 72 | $543.8M | 8.85% | 0.05% | 1.80% | 82.7% |
| Q4 2025 | 61 | $526.6M | 9.01% | 0.79% | 1.37% | 78.4% |
| Q3 2025 | 68 | $468.8M | 9.07% | 0.13% | 1.38% | 79.5% |
| Q2 2025 | 58 | $411.7M | 9.37% | 1.57% | 1.61% | 77.5% |
| Q1 2025 | 70 | $382.0M | 9.29% | 0.38% | 1.66% | 66.8% |
| Q4 2024 | 72 | $327.3M | 9.77% | 0.43% | 1.69% | 70.4% |
| Q3 2024 | 78 | $314.0M | 10.01% | 0.16% | 2.13% | 68.0% |
| Q2 2024 | 79 | $290.5M | 10.07% | 0.02% | 2.17% | 66.4% |
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 Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Highpoint Community BankBank Hastings, MI | 66 out of 100, Moderate | $592.4M | 8.5% | 0.04% | vs |
| Range BankBank Marquette, MI | 80 out of 100, Strong | $604.1M | 10.8% | 0.03% | vs |
| Eastern Michigan BankBank Croswell, MI | 79 out of 100, Strong | $553.6M | 12.0% | 0.63% | vs |
| Commercial BankBank Ithaca, MI | 75 out of 100, Strong | $552.7M | 10.9% | 0.39% | vs |
| Eaton Community BankBank Charlotte, MI | 71 out of 100, Strong | $543.5M | 12.9% | 1.23% | vs |
| First Bank, Upper MichiganBank Gladstone, MI | 81 out of 100, Strong | $629.5M | 12.7% | 0.63% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #8183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.5% of deposits ($204.0M) 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 8.58%, 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%).
3 locations
Branches
Citizens State Bank lists 3 offices in 3 cities. Most locations:
- Farmington Hills, MI (1)
- Ontonagon, MI (1)
- Royal Oak, MI (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Former names
- The Citizens State Bank of Ontonagon
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 8183
- RSSD ID
- 356752
- Primary regulator
- FED
- Holding company
- Citizens Bancshares Inc
- Established
- December 6, 1910
- Headquarters
- 32500 Woodward Ave, Royal Oak, MI 48073
- Website
- www.micsb.com
- Employees
- 55
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #8183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
70 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 #8183 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Royal Oak
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |
| Cha-Tel Federal Credit UnionCredit union Charleston, WV | 86 out of 100, Very strong | $11.5M | 13.6% | 0.04% | vs |