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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Clarks Summit, PA · FDIC certificate #31184
CITIZENS SAVINGS BANK is an FDIC-insured institution based in Clarks Summit, PA (FDIC certificate #31184). In its Q3 2026 Call Report it reported total assets of $355M, total deposits of $299M and net loans of $301M. Its primary federal regulator is OCC.
Plain-language readout
CITIZENS SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $359M in Q2 2026 and were lowest at $355M in Q3 2026.
Total deposits were highest at $304M in Q1 2026 and lowest at $299M in Q3 2026.
Over the whole period total assets fell 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $355M | $299M | $301M | 0.28% | 1.86% | 2.62% |
| Q2 2026 | $359M | $304M | $298M | 0.24% | 1.63% | 2.57% |
| Q1 2026 | $359M | $304M | $291M | 0.16% | 1.09% | 2.57% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.5M | $13.8M | -$7.3M | -52.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $37.8M | $38.2M | -$421K | -1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $298.2M | $290.6M | +$7.6M | +2.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.9M | $3.9M | -$15K | -0.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $12.5M | $12.3M | +$209K | +1.7% |
| Total assets | $359.0M | $358.9M | +$56K | +0.0% |
| Liabilities | ||||
| Total deposits | $304.0M | $304.2M | -$184K | -0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.3M | -$73K | -5.8% |
| Total liabilities | $305.2M | $305.5M | -$257K | -0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $54.3M | $54.1M | +$292K | +0.5% |
| Accumulated other comprehensive income | -$560K | -$581K | +$21K | +3.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $53.8M | $53.5M | +$313K | +0.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $811K | $747K | +$64K | +8.6% |
| Adjusted nonperforming assets | $811K | $747K | +$64K | +8.6% |
| Tangible equity plus allowance | $54.8M | $54.5M | +$319K | +0.6% |
| Texas ratio (gross) | 1.48% | 1.37% | +0.11 pts | See points |
| Texas ratio (adjusted) | 1.48% | 1.37% | +0.11 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.07% | 2.08% | -0.01 pts | See points |
| Tier 1 capital to risk-weighted assets | 29.63% | 30.11% | -0.47 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 29.63% | 30.11% | -0.47 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.58% | 0.59% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 30.21% | 30.70% | -0.49 pts | See points |
| Tier 1 leverage (approximate) | 15.12% | 15.09% | +0.03 pts | See points |
| Construction and land loans to total capital | 0.90% | 0.52% | +0.39 pts | See points |
| Commercial real estate to total capital | 0.90% | 0.52% | +0.39 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.30% | -1.36% | +0.06 pts | See points |
| Liquidity | ||||
| Core deposits | $282.4M | $282.9M | -$524K | -0.2% |
| Non-core funding | $21.6M | $21.3M | +$340K | +1.6% |
| Loans to core deposits | 105.97% | 103.09% | +2.88 pts | See points |
| Loans to deposits | 98.43% | 95.87% | +2.56 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 7.72% | 7.20% | +0.52 pts | See points |
| Loans pledged, share of loans | 98.31% | 98.46% | -0.15 pts | See points |
| Volatile liabilities | $21.6M | $21.3M | +$340K | +1.6% |
| Earnings | ||||
| Earnings before provision, year to date | $572K | $213K | +$359K | +168.5% |
| Earnings before provision, single quarter | $359K | $213K | +$146K | +68.5% |
| Provision for credit losses, year to date | $23K | $24K | -$1K | -4.2% |
| Yield and cost | ||||
| Yield on loans and leases | 4.29% | 4.26% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.39% | 3.21% | +0.18 pts | See points |
| Total interest income to average assets | 3.85% | 3.81% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.08% | 0.07% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.68% | 0.67% | +0.02 pts | See points |
| Cost of time deposits | 3.49% | 3.49% | +0.00 pts | See points |
| Total interest expense to average assets | 1.40% | 1.38% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $355M | $299M | $301M | 0.28% | 1.86% | 2.62% |
| 2026-06-30 | $359M | $304M | $298M | 0.24% | 1.63% | 2.57% |
| 2026-03-31 | $359M | $304M | $291M | 0.16% | 1.09% | 2.57% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $299.8M | 0.05% | 107 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.