Citizens State Bank: how it compares with its peers
Against 110 IA banks with half to twice its assets, Citizens State Bank's strongest measure in Q2 2026 is return on assets (1.74% vs. a 1.40% peer median). Its weakest relative measure is net interest margin (3.55% vs. 3.64%).
| Measure | Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.74% | 1.40% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 3.64% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.84% | 55.88% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $8.6M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.30% | 78.63% | Context |
What it means for lending operations
Its efficiency ratio of 46.84% is better than the 55.88% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Mount Vernon Bank and Trust Company Mount Vernon, IA · $195M
- Security Savings Bank Gowrie, IA · $194M
- Chelsea Savings Bank Belle Plaine, IA · $197M
- State Bank & Trust Co. Nevada, IA · $198M
- Farmers Trust & Savings Bank Williamsburg, IA · $192M
- Peoples Savings Bank Wellsburg, IA · $189M
Questions about Citizens State Bank
How big is Citizens State Bank?
Citizens State Bank, established in 1961, is headquartered in Sheldon, IA. It reported $195M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens State Bank's return on assets?
1.74% annualized in Q2 2026, against a 1.40% median for 110 IA banks with half to twice its assets, ahead of 77% of them.
What is Citizens State Bank's efficiency ratio?
46.84% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 55.88%, and lower is better.
Is Citizens State Bank growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 0.2%.
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 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.