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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hudson, WI · FDIC certificate #6194
CITIZENS STATE BANK is an FDIC-insured institution based in Hudson, WI (FDIC certificate #6194). In its Q3 2026 Call Report it reported total assets of $494M, total deposits of $415M and net loans of $412M. 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 $494M in Q3 2026 and were lowest at $488M in Q1 2026.
Total deposits were highest at $415M in Q3 2026 and lowest at $411M in Q2 2026.
Over the whole period total assets rose 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $494M | $415M | $412M | 1.22% | 12.83% | 3.90% |
| Q2 2026 | $488M | $411M | $396M | 1.21% | 12.73% | 3.80% |
| Q1 2026 | $488M | $411M | $396M | 1.22% | 12.96% | 3.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $31.8M | $33.7M | -$2.0M | -5.8% |
| Federal funds sold | $1.5M | $474K | +$1.0M | +214.1% |
| 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) | $47.6M | $47.2M | +$366K | +0.8% |
| Equity securities with readily determinable fair values, not held for trading | $4K | $4K | $0K | 0.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $395.8M | $395.7M | +$145K | +0.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.4M | $5.3M | +$71K | +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 | $6.2M | $5.7M | +$484K | +8.5% |
| Total assets | $488.2M | $488.1M | +$120K | +0.0% |
| Liabilities | ||||
| Total deposits | $410.5M | $411.2M | -$687K | -0.2% |
| 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 | $28.4M | $28.4M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.2M | $2.6M | -$441K | -16.9% |
| Total liabilities | $441.1M | $442.2M | -$1.1M | -0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $246K | $246K | $0K | 0.0% |
| Surplus | $17.7M | $17.7M | $0K | 0.0% |
| Retained earnings | $30.8M | $29.5M | +$1.3M | +4.2% |
| Accumulated other comprehensive income | -$1.6M | -$1.6M | -$6K | -0.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $47.1M | $45.9M | +$1.2M | +2.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.7M | $1.9M | -$126K | -6.8% |
| Adjusted nonperforming assets | $1.7M | $1.9M | -$126K | -6.8% |
| Tangible equity plus allowance | $52.4M | $50.9M | +$1.5M | +2.9% |
| Texas ratio (gross) | 3.31% | 3.65% | -0.34 pts | See points |
| Texas ratio (adjusted) | 3.31% | 3.65% | -0.34 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | 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) | 10.02% | 9.67% | +0.34 pts | See points |
| Construction and land loans to total capital | 38.75% | 48.26% | -9.51 pts | See points |
| Commercial real estate to total capital | 155.68% | 166.28% | -10.59 pts | See points |
| Dividend payout, year to date | 13.68% | 13.61% | +0.07 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.55% | -4.66% | +0.10 pts | See points |
| Liquidity | ||||
| Core deposits | $363.9M | $360.1M | +$3.8M | +1.0% |
| Non-core funding | $75.0M | $79.5M | -$4.5M | -5.6% |
| Loans to core deposits | 110.24% | 111.29% | -1.05 pts | See points |
| Loans to deposits | 97.71% | 97.46% | +0.25 pts | See points |
| Brokered deposits share of deposits | 3.49% | 3.48% | +0.01 pts | See points |
| Pledged securities share of securities | 20.91% | 31.58% | -10.67 pts | See points |
| Loans pledged, share of loans | 77.43% | 76.33% | +1.11 pts | See points |
| Volatile liabilities | $79.7M | $85.6M | -$5.9M | -6.9% |
| Earnings | ||||
| Earnings before provision, year to date | $4.0M | $2.0M | +$2.0M | +99.7% |
| Earnings before provision, single quarter | $2.0M | $2.0M | -$6K | -0.3% |
| Provision for credit losses, year to date | $450K | $225K | +$225K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.34% | 6.17% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 4.26% | 3.54% | +0.71 pts | See points |
| Total interest income to average assets | 5.83% | 5.66% | +0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 1.15% | 1.21% | -0.07 pts | See points |
| Cost of savings and money market deposits | 2.02% | 2.14% | -0.11 pts | See points |
| Cost of time deposits | 3.66% | 3.84% | -0.18 pts | See points |
| Total interest expense to average assets | 2.06% | 2.07% | -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 | $494M | $415M | $412M | 1.22% | 12.83% | 3.90% |
| 2026-06-30 | $488M | $411M | $396M | 1.21% | 12.73% | 3.80% |
| 2026-03-31 | $488M | $411M | $396M | 1.22% | 12.96% | 3.73% |
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 |
|---|---|---|---|---|
| WI | $397.9M | 0.20% | 79 | 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.