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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Carleton, NE · FDIC certificate #18724
CITIZENS STATE BANK is an FDIC-insured institution based in Carleton, NE (FDIC certificate #18724). In its Q3 2026 Call Report it reported total assets of $39M, total deposits of $28M and net loans of $34M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $39M in Q3 2026 and were lowest at $33M in Q1 2026.
Total deposits were highest at $28M in Q2 2026 and lowest at $27M in Q1 2026.
Over the whole period total assets rose 16.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $39M | $28M | $34M | 1.49% | 13.69% | 4.68% |
| Q2 2026 | $36M | $28M | $31M | 1.49% | 13.57% | 4.73% |
| Q1 2026 | $33M | $27M | $29M | 1.55% | 14.17% | 4.69% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.1M | $2.8M | +$317K | +11.5% |
| 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) | $0K | $0K | $0K | n/a |
| 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) | $31.1M | $29.5M | +$1.7M | +5.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $227K | $230K | -$3K | -1.3% |
| 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 | $1.1M | $766K | +$346K | +45.2% |
| Total assets | $35.6M | $33.2M | +$2.3M | +7.1% |
| Liabilities | ||||
| Total deposits | $27.8M | $27.0M | +$798K | +3.0% |
| Federal funds purchased | $0K | $78K | -$78K | -100.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $3.5M | $2.0M | +$1.5M | +75.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $306K | $304K | +$2K | +0.7% |
| Total liabilities | $31.6M | $29.4M | +$2.2M | +7.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $3.6M | $3.6M | $0K | 0.0% |
| Retained earnings | $297K | $170K | +$127K | +74.7% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $4.0M | $3.9M | +$127K | +3.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $4.2M | $4.1M | +$137K | +3.4% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.43% | 11.29% | +0.14 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 28.85% | 29.19% | -0.33 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 | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $21.9M | $20.6M | +$1.3M | +6.2% |
| Non-core funding | $9.4M | $8.4M | +$939K | +11.2% |
| Loans to core deposits | 143.11% | 143.76% | -0.65 pts | See points |
| Loans to deposits | 112.95% | 109.99% | +2.96 pts | See points |
| Brokered deposits share of deposits | 13.63% | 12.91% | +0.71 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 30.73% | 28.39% | +2.34 pts | See points |
| Volatile liabilities | $11.6M | $10.4M | +$1.2M | +11.4% |
| Earnings | ||||
| Earnings before provision, year to date | $345K | $189K | +$156K | +82.5% |
| Earnings before provision, single quarter | $156K | $189K | -$33K | -17.5% |
| Provision for credit losses, year to date | $21K | $12K | +$9K | +75.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.47% | 7.53% | -0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 3.10% | 3.17% | -0.08 pts | See points |
| Total interest income to average assets | 6.84% | 6.74% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.61% | 0.81% | -0.20 pts | See points |
| Cost of savings and money market deposits | 1.75% | 0.00% | +1.75 pts | See points |
| Cost of time deposits | 3.74% | 3.72% | +0.01 pts | See points |
| Total interest expense to average assets | 2.30% | 2.24% | +0.06 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 | $39M | $28M | $34M | 1.49% | 13.69% | 4.68% |
| 2026-06-30 | $36M | $28M | $31M | 1.49% | 13.57% | 4.73% |
| 2026-03-31 | $33M | $27M | $29M | 1.55% | 14.17% | 4.69% |
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 |
|---|---|---|---|---|
| NE | $25.5M | 0.03% | 156 | 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.