Citizens State Bank: how it compares with its peers
Against 94 IA banks with half to twice its assets, Citizens State Bank's strongest measure in Q2 2026 is return on assets (1.47% vs. a 1.32% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $8.3M).
| Measure | Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.32% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 3.65% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.31% | 56.94% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $8.3M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.66% | 77.35% | Context |
What it means for lending operations
Its efficiency ratio of 57.31% is above the 56.94% 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
- Corydon State Bank Corydon, IA · $138M
- Community Bank Dunlap, IA · $138M
- Union State Bank Winterset, IA · $136M
- Farmers Savings Bank Marshalltown, IA · $140M
- The State Bank of Toledo Toledo, IA · $135M
- Bridge Community Bank Mount Vernon, IA · $141M
Questions about Citizens State Bank
How big is Citizens State Bank?
Citizens State Bank, established in 1913, is headquartered in Wyoming, IA. It reported $138M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Citizens State Bank's return on assets?
1.47% annualized in Q2 2026, against a 1.32% median for 94 IA banks with half to twice its assets, ahead of 64% of them.
What is Citizens State Bank's efficiency ratio?
57.31% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 56.94%, and lower is better.
Is Citizens State Bank growing its loans?
Net loans grew 0.0% over the year to Q2 2026, while deposits grew 9.1%.
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.