Citizens State Bank
Total assets
$488.2M
▲ +5.4% YoY
Deposits
$410.5M
▲ +3.2% YoY
Loans
$395.8M
▲ +2.7% YoY
Offices
5
CITIZENS BANCSHARES WOODVILLE
ROA (annualized)
1.21%
peers 1.24%
ROE (annualized)
12.73%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Citizens State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.0 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 12.7% | 11.9% | +0.9 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
Profile
- Established
- 1904
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CITIZENS BANCSHARES WOODVILLE
- Specialization
- Commercial Lending Specialization
- Address
- 375 Stageline Rd, Hudson, WI, 54016
- County
- St. Croix
- Metro area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Offices
- 5
- FDIC cert #
- 6194
- RSSD ID
- 867856
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $488.2M | $410.5M | $395.8M | $47.1M | $2.9M | 1.21% | 3.80% | 0.36% |
| Q1 2026 | $488.1M | $411.2M | $395.7M | $45.9M | $1.5M | 1.22% | 3.73% | 0.38% |
| Q4 2025 | $477.7M | $400.8M | $400.1M | $44.8M | $4.9M | 1.06% | 3.66% | 0.22% |
| Q3 2025 | $470.4M | $403.6M | $387.2M | $43.2M | $3.6M | 1.03% | 3.62% | 0.34% |
| Q2 2025 | $463.3M | $397.9M | $385.4M | $41.7M | $2.2M | 0.95% | 3.52% | 0.48% |
| Q1 2025 | $461.3M | $392.6M | $384.3M | $40.7M | $1.0M | 0.91% | 3.47% | 0.57% |
| Q4 2024 | $452.9M | $370.0M | $371.9M | $39.7M | $4.0M | 0.92% | 3.27% | 0.55% |
| Q3 2024 | $441.3M | $378.3M | $359.1M | $39.0M | $2.7M | 0.84% | 3.17% | 0.53% |
Loan mix (Q2 2026): real estate $377.4M · commercial $18.8M · consumer $2.4M · securities $47.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.96% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 62.9% | 36th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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