Citizens State Bank of La Crosse
Total assets
$648.5M
▼ -2.1% YoY
Deposits
$513.4M
▼ -3.8% YoY
Loans
$538.9M
▲ +0.9% YoY
Offices
4
CLAYTON BANKSHARES INC
ROA (annualized)
2.94%
peers 1.28%
ROE (annualized)
23.27%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.9% | -7.0 pts |
| Deposit growth (YoY) | -3.8% | +4.3% | -8.1 pts |
| Loan growth (YoY) | +0.9% | +5.3% | -4.5 pts |
| ROA | 2.94% | 1.28% | +1.7 pts |
| ROE | 23.3% | 12.4% | +10.8 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
Profile
- Established
- 1907
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CLAYTON BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 620 Main St, La Crosse, WI, 54601
- County
- La Crosse
- Metro area
- La Crosse-Onalaska, WI-MN
- Offices
- 4
- FDIC cert #
- 1513
- RSSD ID
- 447557
- 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 | $648.5M | $513.4M | $538.9M | $85.1M | $9.6M | 2.94% | 4.13% | 0.99% |
| Q1 2026 | $653.0M | $531.1M | $539.0M | $81.9M | $4.7M | 2.85% | 4.11% | 0.96% |
| Q4 2025 | $658.3M | $517.6M | $532.1M | $80.4M | $17.4M | 2.59% | 3.88% | 1.48% |
| Q3 2025 | $663.4M | $540.7M | $544.9M | $77.7M | $12.9M | 2.56% | 3.79% | 0.94% |
| Q2 2025 | $662.5M | $533.6M | $534.3M | $74.7M | $8.2M | 2.44% | 3.67% | 0.97% |
| Q1 2025 | $684.5M | $556.0M | $540.1M | $71.7M | $3.8M | 2.24% | 3.60% | 1.03% |
| Q4 2024 | $684.4M | $553.2M | $541.3M | $69.4M | $13.1M | 2.01% | 3.74% | 0.95% |
| Q3 2024 | $657.4M | $514.6M | $559.0M | $67.1M | $9.2M | 1.91% | 3.70% | 1.10% |
Loan mix (Q2 2026): real estate $480.0M · commercial $62.4M · consumer $2.9M · securities $400K
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.94% | 1.28% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 23.3% | 12.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.89% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.4% | 61.2% | 5th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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