Citizens State Bank of Loyal
Total assets
$311.5M
▼ -1.6% YoY
Deposits
$250.3M
▼ -1.8% YoY
Loans
$180.0M
▲ +6.1% YoY
Offices
5
CITIZENS BANCSHARES LOYAL INC
ROA (annualized)
1.16%
peers 1.24%
ROE (annualized)
11.56%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -1.8% | +4.0% | -5.8 pts |
| Loan growth (YoY) | +6.1% | +5.6% | +0.5 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
Profile
- Established
- 1909
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CITIZENS BANCSHARES LOYAL INC
- Specialization
- Agricultural Specialization
- Address
- 400 N Main St, Loyal, WI, 54446
- County
- Clark
- Offices
- 5
- FDIC cert #
- 6186
- RSSD ID
- 479446
- 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 | $311.5M | $250.3M | $180.0M | $31.8M | $1.8M | 1.16% | 3.36% | 0.00% |
| Q1 2026 | $307.3M | $242.8M | $173.7M | $30.9M | $899K | 1.17% | 3.35% | 0.01% |
| Q4 2025 | $309.4M | $244.9M | $176.8M | $30.7M | $3.0M | 0.99% | 3.04% | 0.01% |
| Q3 2025 | $304.3M | $240.6M | $171.1M | $30.0M | $2.2M | 0.97% | 2.97% | 0.01% |
| Q2 2025 | $316.7M | $254.9M | $169.7M | $28.2M | $1.4M | 0.90% | 2.85% | 0.05% |
| Q1 2025 | $304.0M | $243.7M | $171.4M | $27.2M | $621K | 0.82% | 2.75% | 0.01% |
| Q4 2024 | $303.1M | $243.5M | $169.3M | $26.4M | $2.3M | 0.78% | 2.62% | 0.00% |
| Q3 2024 | $306.3M | $245.5M | $165.3M | $27.4M | $1.6M | 0.74% | 2.58% | 0.00% |
Loan mix (Q2 2026): real estate $140.3M · commercial $6.9M · consumer $340K · securities $91.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.96% | 22th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 62.9% | 47th | |
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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