TellerScore

Citizens State Bank of Roseau (FDIC certificate #10167) is based in Roseau, Minnesota. Its Q2 2026 call report shows $290.9M in total assets and $248.0M in deposits and 1 office.

Citizens State Bank of Roseau has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 21st. Problem-loan coverage contributes the most (95/100, 2.5%); earnings contributes the least (82/100, 1.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.30%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.53%
Earnings82/100
Return on assets (annualized): 1.54%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 67.3% · 17.3% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.47%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 85).

TellerScore
778287Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202478
Q4 202478
Q1 202584
Q2 202584
Q3 202585
Q4 202586
Q1 202687
Q2 202685
Tier 1 leverage ratio
5.00%9.20%13.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.37%
Q3 202411.56%
Q4 202412.02%
Q1 202512.94%
Q2 202512.94%
Q3 202513.24%
Q4 202513.24%
Q1 202613.39%
Q2 202613.30%
Noncurrent loans
0.31%0.42%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.44%
Q3 20240.40%
Q4 20240.48%
Q1 20250.46%
Q2 20250.49%
Q3 20250.53%
Q4 20250.31%
Q1 20260.36%
Q2 20260.53%
Return on assets
1.03%1.28%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.03%
Q3 20241.11%
Q4 20241.14%
Q1 20251.47%
Q2 20251.49%
Q3 20251.48%
Q4 20251.45%
Q1 20261.47%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$290.9M13.30%0.53%1.54%67.3%
Q1 202687$286.0M13.39%0.36%1.47%63.2%
Q4 202586$286.5M13.24%0.31%1.45%64.2%
Q3 202585$281.1M13.24%0.53%1.48%63.1%
Q2 202584$278.5M12.94%0.49%1.49%63.9%
Q1 202584$283.2M12.94%0.46%1.47%60.0%
Q4 202478$287.2M12.02%0.48%1.14%65.0%
Q3 202478$302.5M11.56%0.40%1.11%64.0%
Q2 202477$306.0M11.37%0.44%1.03%59.9%

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 ratio13.30%
77th
Total risk-based capital0.00%
24th
Problem loans0.53%
44th
Net charge-offs0.17%
14th
Return on assets1.54%
68th
Net interest margin3.38%
23rd
Efficiency ratio53.3%
76th
Loans to deposits67.3%
74th
Uninsured deposits17.3%
74th
Loan-loss reserves1.02%
29th
Texas ratio2.5%
53rd

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Lake Central BankBank Annandale, MN86 out of 100, Very strong$291.3M11.2%0.04%vs
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
The First National Bank of MilacaBank Milaca, MN81 out of 100, Strong$293.2M10.8%0.37%vs
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
Minnesota National BankBank Sauk Centre, MN70 out of 100, Strong$298.4M9.8%0.49%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs

Deposit insurance

Is my money safe at Citizens State Bank of Roseau?

Yes. Citizens State Bank of Roseau is an FDIC-insured institution (FDIC certificate #10167). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.3% of deposits ($42.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.30%, 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

1 location

Branches

Citizens State Bank of Roseau lists 1 office in 1 city. Most locations:

  • Roseau, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Citizens State Bank of Roseau
Type
State-chartered bank
FDIC certificate #
10167
RSSD ID
822051
Primary regulator
FDIC
Holding company
Roseau Realty Co Inc
Established
May 3, 1905
Headquarters
118 Main Ave S, Roseau, MN 56751
Employees
36

Quick answers

Citizens State Bank of Roseau: common questions

Is Citizens State Bank of Roseau FDIC insured?

Yes. Citizens State Bank of Roseau is an FDIC-insured institution (FDIC certificate #10167). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens State Bank of Roseau's TellerScore?

85 out of 100 (Very 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 Roseau ever failed?

There is no failure record for FDIC certificate #10167 in the FDIC failed bank list.

How many branches does Citizens State Bank of Roseau have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Roseau

InstitutionScoreAssetsCapitalProblem loansCompare
Border BankBank Fargo, ND57 out of 100, Moderate$1.1B9.1%1.07%vs