Headquartered in Lankin, North Dakota, Citizens State Bank of Lankin is a state-chartered bank with $72.1M in total assets and $61.4M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1905.
Citizens State Bank of Lankin has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 546 banks with under $100 million in assets. Among 60 banks headquartered in North Dakota, it ranks 53rd. Problem-loan coverage contributes the most (75/100, 12.4%); loan quality contributes the least (47/100, 1.58%).
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 fell 14 points (71 → 57), mostly because the loan quality component weakened by 46 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 71 |
| Q4 2024 | 66 |
| Q1 2025 | 74 |
| Q2 2025 | 71 |
| Q3 2025 | 70 |
| Q4 2025 | 60 |
| Q1 2026 | 58 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.59% |
| Q3 2024 | 9.98% |
| Q4 2024 | 10.13% |
| Q1 2025 | 10.23% |
| Q2 2025 | 10.12% |
| Q3 2025 | 10.52% |
| Q4 2025 | 10.41% |
| Q1 2026 | 9.57% |
| Q2 2026 | 10.13% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.53% |
| Q4 2025 | 1.48% |
| Q1 2026 | 1.11% |
| Q2 2026 | 1.58% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.82% |
| Q1 2025 | 1.28% |
| Q2 2025 | 1.15% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.32% |
| Q1 2026 | 0.86% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $72.1M | 10.13% | 1.58% | 1.17% | 85.6% |
| Q1 2026 | 58 | $76.9M | 9.57% | 1.11% | 0.86% | 81.3% |
| Q4 2025 | 60 | $72.2M | 10.41% | 1.48% | 1.32% | 83.3% |
| Q3 2025 | 70 | $70.4M | 10.52% | 0.53% | 1.35% | 85.4% |
| Q2 2025 | 71 | $69.0M | 10.12% | 0.20% | 1.15% | 88.6% |
| Q1 2025 | 74 | $67.3M | 10.23% | 0.17% | 1.28% | 82.7% |
| Q4 2024 | 66 | $67.5M | 10.13% | 0.53% | 0.82% | 82.6% |
| Q3 2024 | 71 | $67.1M | 9.98% | 0.01% | 0.87% | 86.7% |
| Q2 2024 | 73 | $63.9M | 10.59% | 0.00% | 0.75% | 87.7% |
546 peers · Under $100 million in assets
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 North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples State BankBank Westhope, ND | 87 out of 100, Very strong | $69.9M | 13.5% | 0.00% | vs |
| First Security Bank - WestBank Beulah, ND | 55 out of 100, Moderate | $75.2M | 12.9% | 4.65% | vs |
| Heartland State BankBank Edgeley, ND | 46 out of 100, Below average | $75.6M | 9.8% | 3.36% | vs |
| Bank of HazeltonBank Hazelton, ND | 72 out of 100, Strong | $75.8M | 11.1% | 1.01% | vs |
| State Bank of LakotaBank Lakota, ND | 71 out of 100, Strong | $64.2M | 9.6% | 0.49% | vs |
| The Citizens State Bank at MohallBank Mohall, ND | 75 out of 100, Strong | $80.2M | 11.8% | 0.43% | vs |
Deposit insurance
Is my money safe at Citizens State Bank of Lankin?
Yes. Citizens State Bank of Lankin is an FDIC-insured institution (FDIC certificate #9422). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.1% of deposits ($17.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.13%, 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%).
4 locations
Branches
Citizens State Bank of Lankin lists 4 offices in 4 cities. Most locations:
- Edinburg, ND (1)
- Edmore, ND (1)
- Lankin, ND (1)
- Park River, ND (1)
Identity & history
Profile
- Legal name
- Citizens State Bank of Lankin
- Type
- State-chartered bank
- FDIC certificate #
- 9422
- RSSD ID
- 940852
- Primary regulator
- FDIC
- Holding company
- Citizens State Bancshares Inc
- Established
- May 15, 1905
- Headquarters
- 401 Main Street, Lankin, ND 58250
- Website
- www.csb100.com
- Employees
- 14
Quick answers
Citizens State Bank of Lankin: common questions
Is Citizens State Bank of Lankin FDIC insured?
Yes. Citizens State Bank of Lankin is an FDIC-insured institution (FDIC certificate #9422). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank of Lankin's TellerScore?
57 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 of Lankin ever failed?
There is no failure record for FDIC certificate #9422 in the FDIC failed bank list.
How many branches does Citizens State Bank of Lankin have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lankin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First United BankBank Park River, ND | 78 out of 100, Strong | $810.8M | 10.1% | 0.01% | vs |
| Gate City BankBank Fargo, ND | 65 out of 100, Moderate | $4.0B | 9.8% | 0.69% | vs |