The Citizens State Bank at Mohall is a state-chartered bank headquartered in Mohall, North Dakota, in business for about 111 years. At the end of Q2 2026 it reported $80.2M in total assets and $69.9M in deposits, with 3 offices.
The Citizens State Bank at Mohall has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 546 banks with under $100 million in assets. Among 60 banks headquartered in North Dakota, it ranks 19th. Problem-loan coverage contributes the most (94/100, 3.1%); earnings contributes the least (67/100, 1.17%).
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 4 points (71 → 75), mostly because the loan quality component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 69 |
| Q4 2024 | 66 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 70 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.56% |
| Q3 2024 | 12.52% |
| Q4 2024 | 12.36% |
| Q1 2025 | 12.13% |
| Q2 2025 | 12.08% |
| Q3 2025 | 11.83% |
| Q4 2025 | 11.75% |
| Q1 2026 | 11.78% |
| Q2 2026 | 11.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.94% |
| Q4 2024 | 1.08% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.73% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.43% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.99% |
| Q3 2025 | 0.98% |
| Q4 2025 | 0.95% |
| Q1 2026 | 1.13% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $80.2M | 11.78% | 0.43% | 1.17% | 84.1% |
| Q1 2026 | 75 | $84.1M | 11.78% | 0.45% | 1.13% | 75.7% |
| Q4 2025 | 70 | $79.5M | 11.75% | 0.73% | 0.95% | 89.0% |
| Q3 2025 | 71 | $77.2M | 11.83% | 0.70% | 0.98% | 87.4% |
| Q2 2025 | 71 | $78.6M | 12.08% | 0.69% | 0.99% | 86.8% |
| Q1 2025 | 70 | $76.0M | 12.13% | 0.76% | 0.83% | 79.4% |
| Q4 2024 | 66 | $72.6M | 12.36% | 1.08% | 0.63% | 85.6% |
| Q3 2024 | 69 | $73.7M | 12.52% | 0.94% | 0.87% | 88.3% |
| Q2 2024 | 72 | $72.2M | 12.56% | 0.79% | 0.90% | 85.0% |
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 |
|---|---|---|---|---|---|
| Bank of HazeltonBank Hazelton, ND | 72 out of 100, Strong | $75.8M | 11.1% | 1.01% | vs |
| Heartland State BankBank Edgeley, ND | 46 out of 100, Below average | $75.6M | 9.8% | 3.36% | vs |
| First Security Bank - WestBank Beulah, ND | 55 out of 100, Moderate | $75.2M | 12.9% | 4.65% | vs |
| Citizens State Bank of LankinBank Lankin, ND | 57 out of 100, Moderate | $72.1M | 10.1% | 1.58% | vs |
| Peoples State BankBank Westhope, ND | 87 out of 100, Very strong | $69.9M | 13.5% | 0.00% | vs |
| First State Bank of HarveyBank Harvey, ND | 68 out of 100, Moderate | $94.6M | 10.4% | 1.14% | vs |
Deposit insurance
Is my money safe at The Citizens State Bank at Mohall?
Yes. The Citizens State Bank at Mohall is an FDIC-insured institution (FDIC certificate #8632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.6% of deposits ($13.7M) 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 11.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.69% (benchmark: 10%).
3 locations
Branches
The Citizens State Bank at Mohall lists 3 offices in 3 cities. Most locations:
- Lansford, ND (1)
- Mohall, ND (1)
- Sherwood, ND (1)
Identity & history
Profile
- Legal name
- The Citizens State Bank at Mohall
- Type
- State-chartered bank
- FDIC certificate #
- 8632
- RSSD ID
- 688453
- Primary regulator
- FDIC
- Holding company
- Jorgenson Holding Co
- Established
- June 1, 1915
- Headquarters
- 102 Main St W, Mohall, ND 58761
- Website
- www.csbmsl.com
- Employees
- 11
Quick answers
The Citizens State Bank at Mohall: common questions
Is The Citizens State Bank at Mohall FDIC insured?
Yes. The Citizens State Bank at Mohall is an FDIC-insured institution (FDIC certificate #8632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens State Bank at Mohall's TellerScore?
75 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 The Citizens State Bank at Mohall ever failed?
There is no failure record for FDIC certificate #8632 in the FDIC failed bank list.
How many branches does The Citizens State Bank at Mohall have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mohall
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gate City BankBank Fargo, ND | 65 out of 100, Moderate | $4.0B | 9.8% | 0.69% | vs |
| Dakota West Credit UnionCredit union Watford City, ND | 61 out of 100, Moderate | $326.5M | 14.2% | 3.14% | vs |