Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Monticello, IA · FDIC certificate #9047
CITIZENS STATE BANK is an FDIC-insured institution based in Monticello, IA (FDIC certificate #9047). In its Q3 2026 Call Report it reported total assets of $586M, total deposits of $538M and net loans of $325M. Its primary federal regulator is FDIC.
Reported facts
CITIZENS STATE BANK (FDIC certificate #9047) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $586M |
|---|---|
| Total deposits | $538M |
| Net loans and leases | $325M |
| Return on assets | 1.15% |
| Return on equity | 18.81% |
| Net interest margin | 3.00% |
| Quarterly asset change | -1.38% |
| Quarterly deposit change | -0.05% |
Plain-language readout
CITIZENS STATE BANK in Monticello, IA reported total assets of $586M, total deposits of $538M and net loans of $325M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.15%, a return on equity of 18.81%, a net interest margin of 3.00%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $586M | $538M | $325M | 1.15% | 18.81% | 3.00% |
| Q2 2026 | $594M | $538M | $324M | 1.17% | 18.79% | 2.93% |
| Q1 2026 | $583M | $530M | $320M | 1.02% | 16.94% | 2.86% |
Loading financial topics…