Citizens Savings Bank: how it compares with its peers
Against 105 IA banks with half to twice its assets, Citizens Savings Bank's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $8.5M peer median). Its weakest relative measure is net interest margin (2.97% vs. 3.64%).
| Measure | Citizens Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.33% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.97% | 3.64% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.90% | 57.36% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $8.5M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.36% | 79.50% | Context |
What it means for lending operations
Its efficiency ratio of 63.90% is above the 57.36% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank 1st West Union, IA · $166M
- Union State Bank Greenfield, IA · $169M
- Templeton Savings Bank Templeton, IA · $170M
- Atkins Savings Bank & Trust Atkins, IA · $172M
- Boone Bank & Trust Co. Boone, IA · $157M
- Hiawatha Bank and Trust Company Hiawatha, IA · $157M
Questions about Citizens Savings Bank
How big is Citizens Savings Bank?
Citizens Savings Bank, established in 1906, is headquartered in Anamosa, IA. It reported $166M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens Savings Bank's return on assets?
1.02% annualized in Q2 2026, against a 1.33% median for 105 IA banks with half to twice its assets, ahead of 20% of them.
What is Citizens Savings Bank's efficiency ratio?
63.90% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 57.36%, and lower is better.
Is Citizens Savings Bank growing its loans?
Net loans grew 5.9% over the year to Q2 2026, while deposits grew 6.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.