TellerScore

Headquartered in La Crosse, Wisconsin, Citizens State Bank of La Crosse is a state-chartered bank with $648.5M in total assets and $513.4M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1907.

Based on its Q2 2026 filing, Citizens State Bank of La Crosse scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 63rd. Its strongest component is earnings (100/100; 2.94%), and its lowest is funding & liquidity (39/100; 105% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.36%
Loan quality65/100
Noncurrent loans ÷ total loans: 1.06%
Earnings100/100
Return on assets (annualized): 2.94%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 105.0% · 29.4% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.95%

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 7 points (69 → 76), mostly because the capital cushion component improved by 22 points.

TellerScore
626976Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202466
Q1 202567
Q2 202569
Q3 202571
Q4 202566
Q1 202674
Q2 202676
Tier 1 leverage ratio
5.00%9.18%13.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.69%
Q3 202410.28%
Q4 202410.28%
Q1 202510.67%
Q2 202511.17%
Q3 202511.74%
Q4 202512.18%
Q1 202612.63%
Q2 202613.36%
Noncurrent loans
0.89%1.29%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.89%
Q3 20241.14%
Q4 20241.06%
Q1 20251.17%
Q2 20251.07%
Q3 20251.01%
Q4 20251.68%
Q1 20261.02%
Q2 20261.06%
Return on assets
1.68%2.31%2.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.68%
Q3 20241.91%
Q4 20242.01%
Q1 20252.24%
Q2 20252.44%
Q3 20252.56%
Q4 20252.59%
Q1 20262.85%
Q2 20262.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$648.5M13.36%1.06%2.94%105.0%
Q1 202674$653.0M12.63%1.02%2.85%101.5%
Q4 202566$658.3M12.18%1.68%2.59%102.8%
Q3 202571$663.4M11.74%1.01%2.56%100.8%
Q2 202569$662.5M11.17%1.07%2.44%100.1%
Q1 202567$684.5M10.67%1.17%2.24%97.1%
Q4 202466$684.4M10.28%1.06%2.01%97.9%
Q3 202463$657.4M10.28%1.14%1.91%108.6%
Q2 202462$648.4M9.69%0.89%1.68%107.6%

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 ratio13.36%
77th
Total risk-based capital0.00%
24th
Problem loans1.06%
26th
Net charge-offs0.00%
60th
Return on assets2.94%
98th
Net interest margin4.13%
61st
Efficiency ratio39.4%
97th
Loans to deposits105.0%
6th
Uninsured deposits29.4%
30th
Loan-loss reserves1.36%
69th
Texas ratio7.0%
27th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
AbbyBankBank Abbotsford, WI56 out of 100, Moderate$662.2M9.4%1.34%vs
Community First BankBank Boscobel, WI78 out of 100, Strong$634.1M11.0%0.32%vs
Community State BankBank Union Grove, WI74 out of 100, Strong$667.5M9.6%0.28%vs
The Stephenson National Bank and TrustBank Marinette, WI66 out of 100, Moderate$676.8M10.1%1.15%vs
PyraMax Bank, FSBBank Greenfield, WI67 out of 100, Moderate$588.7M11.2%0.25%vs
PremierBankBank Fort Atkinson, WI70 out of 100, Strong$583.9M9.8%0.24%vs

Deposit insurance

Is my money safe at Citizens State Bank of La Crosse?

Yes. Citizens State Bank of La Crosse is an FDIC-insured institution (FDIC certificate #1513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.4% of deposits ($150.9M) 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 13.36%, 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%).

Check how much of your own balance is covered

4 locations

Branches

Citizens State Bank of La Crosse lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens State Bank of La Crosse reported 138 home-loan applications under HMDA (LEI 5493008L7BNNEPSS6V79): 123 originated ($57,895,000 total), 6 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.6%, 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 of La Crosse
Former names
Citizens State Bank of Clayton
Type
State-chartered bank
FDIC certificate #
1513
RSSD ID
447557
Primary regulator
FDIC
Holding company
Clayton Bankshares Inc
Established
December 9, 1907
Headquarters
620 Main St, La Crosse, WI 54601
Employees
85

Quick answers

Citizens State Bank of La Crosse: common questions

Is Citizens State Bank of La Crosse FDIC insured?

Yes. Citizens State Bank of La Crosse is an FDIC-insured institution (FDIC certificate #1513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens State Bank of La Crosse's TellerScore?

76 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 of La Crosse ever failed?

There is no failure record for FDIC certificate #1513 in the FDIC failed bank list.

How many branches does Citizens State Bank of La Crosse have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near La Crosse

InstitutionScoreAssetsCapitalProblem loansCompare
Bluff View BankBank Galesville, WI90 out of 100, Very strong$152.8M14.9%0.00%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs