Citizens State Bank, of Arlington: how it compares with its peers
Against 18 SD banks with half to twice its assets, Citizens State Bank, of Arlington's strongest measure in Q2 2026 is assets per employee ($9.0M vs. a $7.8M peer median). Its weakest relative measure is net interest margin (2.94% vs. 3.79%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.74% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.94% | 3.79% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.30% | 54.06% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $7.8M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.15% | 71.95% | Context |
What it means for lending operations
Its efficiency ratio of 60.30% is above the 54.06% 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
- Heartland State Bank Redfield, SD · $154M
- Great Plains Bank Eureka, SD · $150M
- First State Bank of Roscoe Roscoe, SD · $147M
- Farmers and Merchants State Bank Plankinton, SD · $180M
- DNB NATIONAL BANK Clear Lake, SD · $124M
Questions about Citizens State Bank, of Arlington
How big is Citizens State Bank, of Arlington?
Citizens State Bank, of Arlington, established in 1901, is headquartered in Arlington, SD. It reported $153M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens State Bank, of Arlington's return on assets?
1.11% annualized in Q2 2026, against a 1.74% median for 18 SD banks with half to twice its assets, ahead of 39% of them.
What is Citizens State Bank, of Arlington's efficiency ratio?
60.30% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 54.06%, and lower is better.
Is Citizens State Bank, of Arlington growing its loans?
Net loans shrank 5.8% over the year to Q2 2026, while deposits grew 5.2%.
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 SD 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 South Dakota bank ranked.