Headquartered in Monticello, Iowa, Citizens State Bank is a state-chartered bank with $594.4M in total assets and $537.8M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1931.
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 226 banks headquartered in Iowa, it ranks 164th. Its strongest component is funding & liquidity (86/100; 60% loans-to-deposits, 27% uninsured), and its lowest is loan quality (51/100; 1.46%).
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 10 points (56 → 66), mostly because the earnings component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 74 |
| Q4 2024 | 73 |
| Q1 2025 | 74 |
| Q2 2025 | 56 |
| Q3 2025 | 58 |
| Q4 2025 | 60 |
| Q1 2026 | 64 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.80% |
| Q3 2024 | 11.20% |
| Q4 2024 | 10.97% |
| Q1 2025 | 10.92% |
| Q2 2025 | 10.89% |
| Q3 2025 | 11.04% |
| Q4 2025 | 10.78% |
| Q1 2026 | 11.37% |
| Q2 2026 | 11.48% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.02% |
| Q2 2025 | 1.74% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.46% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.70% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $594.4M | 11.48% | 1.46% | 1.17% | 60.3% |
| Q1 2026 | 64 | $582.9M | 11.37% | 1.52% | 1.02% | 60.3% |
| Q4 2025 | 60 | $596.3M | 10.78% | 1.51% | 0.70% | 60.0% |
| Q3 2025 | 58 | $570.4M | 11.04% | 1.68% | 0.58% | 58.2% |
| Q2 2025 | 56 | $563.6M | 10.89% | 1.74% | 0.47% | 58.4% |
| Q1 2025 | 74 | $559.3M | 10.92% | 0.02% | 0.57% | 56.9% |
| Q4 2024 | 73 | $550.2M | 10.97% | 0.09% | 0.42% | 57.2% |
| Q3 2024 | 74 | $538.4M | 11.20% | 0.04% | 0.38% | 54.8% |
| Q2 2024 | 73 | $514.0M | 10.80% | 0.03% | 0.41% | 55.1% |
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Washington State BankBank Washington, IA | 78 out of 100, Strong | $601.1M | 12.5% | 0.49% | vs |
| Peoples Savings BankBank Indianola, IA | 65 out of 100, Moderate | $610.4M | 10.0% | 0.91% | vs |
| Community Savings BankBank Edgewood, IA | 65 out of 100, Moderate | $613.6M | 10.1% | 0.63% | vs |
| Farmers & Merchants Savings BankBank Manchester, IA | 61 out of 100, Moderate | $616.8M | 12.4% | 1.70% | vs |
| Farmers Trust and Savings BankBank Spencer, IA | 57 out of 100, Moderate | $618.0M | 9.5% | 1.45% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #9047). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.0% of deposits ($145.1M) 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 11.48%, 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%).
8 locations
Branches
Citizens State Bank lists 8 offices in 8 cities. Most locations:
- Hopkinton, IA (1)
- Manchester, IA (1)
- Monticello, IA (1)
- New Vienna, IA (1)
- Ryan, IA (1)
- Springville, IA (1)
- Strawberry Point, IA (1)
- Winthrop, IA (1)
HMDA 2025
Mortgage lending
In 2025, Citizens State Bank reported 175 home-loan applications under HMDA (LEI 254900P6952HH7CVAC87): 135 originated ($21,465,000 total), 7 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, 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
- Type
- State-chartered bank
- FDIC certificate #
- 9047
- RSSD ID
- 795548
- Primary regulator
- FDIC
- Holding company
- Herky Hawk Financial Corp
- Established
- March 11, 1931
- Headquarters
- 117 W 1st St, Monticello, IA 52310
- Website
- www.mycsb.bank
- Employees
- 73
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #9047). 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 #9047 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Monticello
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens State BankBank Wyoming, IA | 91 out of 100, Very strong | $137.7M | 17.9% | 0.25% | vs |
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
| Hills Bank and Trust CompanyBank Hills, IA | 84 out of 100, Strong | $4.8B | 13.4% | 0.40% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Dupaco Community Credit UnionCredit union Dubuque, IA | 77 out of 100, Strong | $3.5B | 13.3% | 0.77% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |