Citizens State Bank

921 Avenue E.
Wisner, NE 68791

Notable Rates APY Vs.Others
Savings 0.60% 2.20% →
1-Year CD 1.70% 2.20% →
2-Year CD 1.95% 2.65% →
5-Year CD 2.20% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Citizens State Bank is an FDIC insured institution located in Wisner, NE. It was founded in 1888 and has approximately $0.31 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 5495
Date Established 1888
Assets $0.31 billion
Loans $0.26 billion
Deposits $0.27 billion
Capital $0.04 billion

For a more detailed analysis of Citizens State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 22, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.85% $2,000 $49,999 Learn MoreShow Less
3 Mo CD
0.90% $1,000 - Learn MoreShow Less
6 Mo CD
1.20% $1,000 - Learn MoreShow Less
12 Mo CD
1.70% $1,000 - Learn MoreShow Less
18 Mo CD
1.85% $1,000 - Learn MoreShow Less
24 Mo CD
1.95% $1,000 - Learn MoreShow Less
30 Mo CD
1.95% $1,000 - Learn MoreShow Less
36 Mo CD
2.00% $1,000 - Learn MoreShow Less
48 Mo CD
2.10% $1,000 - Learn MoreShow Less
60 Mo CD
2.20% $1,000 - Learn MoreShow Less

Fixed IRA
1.70% $250 - Learn MoreShow Less
Fixed IRA
1.80% $250 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.85% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.26% $2,000 $49,999 Learn MoreShow Less
Int Ckg
0.25% $2,000 $49,999 Learn MoreShow Less

Loan Rates - February 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Citizens State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: 13256
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Citizens State Bank
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Citizens State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Citizens State Bank Locations

Financial Details

Citizens State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens State Bank U.S. Bank Average
10.63% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Citizens State Bank had $4,573,000 in non-current loans and $30,000 in owned real estate. To cover these potential losses it had $36,937,000 in equity and $6,362,000 in loans loss reserves. That gives it a Texas Ratio of 10.63%.

Return on Equity
Citizens State Bank U.S. Bank Average
11.54% 9.72%

Citizens State Bank has a Return on Equity of 11.54% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Citizens State Bank U.S. Bank Average
12.07% 12.89%

Citizens State Bank has a Capitalization of 12.07% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens State Bank Balance Sheet Analysis

As of September 30, 2019, Citizens State Bank had assets of $305,985,000, loans of $256,344,000, and deposits of $267,455,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.26 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.27 billion
Total deposits $0.27 billion
      Interest-bearing deposits $0.24 billion
      Deposits held in domestic offices $0.27 billion
      % insured (estimated) 86.55%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.27 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Citizens State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Citizens State Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 6.47
Credit Card Loans 0.00
Consumer Auto Loans 0.59
Small Business Loans 3.15
Construction and Development Loans 0.58
Commercial Real Estate 4.29
Commercial and Industrial Loans 7.83
Farm Loans 40.69

Frequently Asked Questions About Citizens State Bank

Branches and Savings

Is Citizens State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5495.

Why does Citizens State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens State Bank a commercial bank?


Where are Citizens State Bank locations?

See branch locations nearby.

Is Citizens State Bank open on Saturdays?

Is Citizens State Bank open on Sundays?

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Are Citizens State Bank ATMs Open 24/7?

Do Citizens State Bank ATMs accept cash deposits?

Can Citizens State Bank customers use other ATMs?

Do Citizens State Bank branches have notaries?

Will Citizens State Bank notarize my document?

What address for Citizens State Bank should I put for incoming ACH transfers?

Will the Citizens State Bank branch print checks?

Do Citizens State Bank checks expire?

Does Citizens State Bank require US citizenship to open account?

Can Citizens State Bank close my account?

Does Citizens State Bank Report to credit bureaus?

Does Citizens State Bank Use Equifax?

What is Citizens State Bank's ACH Routing Number?

What is Citizens State Bank's SWIFT code?


Does Citizens State Bank offer mortgages?

Compare mortgage rates here.

Does Citizens State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens State Bank offer personal loans?

Compare personal loan rates here.

Does Citizens State Bank offer student loans?

Will Citizens State Bank cash a check?

Will Citizens State Bank redeem a savings bond?

Does Citizens State Bank cash savings bonds?

Will Citizens State Bank cash money orders?

Can Citizens State Bank issue a money order?

Does Citizens State Bank do currency exchange?

Background on The Bank

Who owns Citizens State Bank?

How long has Citizens State Bank been around?

Can Citizens State Bank transfer to other banks?

Does Citizens State Bank have quick pay?

Does Citizens State Bank accept rolled coins?

Will Citizens State Bank accept loose change?

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