Citizens State Bank of Loyal

400 North Main Street
Loyal, WI 54446

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6186
Date Established 1909
Assets $0.21 billion
Loans $0.12 billion
Deposits $0.17 billion
Capital $0.03 billion

Citizens State Bank of Loyal is an FDIC insured institution located in Loyal, WI. It was founded in 1909 and has approximately $0.21 billion in assets. Customers can open an account at one of its 5 branches.

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

Bank Loan Profile?

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

Compared to other banks in Wisconsin, Citizens State Bank of Loyal has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.47
Multifamily
Mortgages
0.08
Credit Card Loans 0.00
Consumer Auto Loans 0.13
Small Business Loans 8.58
Construction and Development Loans 2.90
Commercial Real Estate 14.52
Commercial and Industrial Loans 5.71
Farm Loans 15.94

Deposit Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1 $9,999 Learn MoreShow Less
Money Market
0.17% $10,000 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.90% $10,000 - Learn MoreShow Less
0.90% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
1.21% $50,000 - Learn MoreShow Less
1.26% $10,000 $24,999 Learn MoreShow Less
12 Mo CD
1.66% $50,000 - Learn MoreShow Less
Special: 13 Mo CD
1.92% $10,000 - Learn MoreShow Less
1.46% $10,000 $24,999 Learn MoreShow Less
24 Mo CD
1.92% $50,000 - Learn MoreShow Less
1.61% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
2.07% $50,000 - Learn MoreShow Less
1.82% $10,000 $24,999 Learn MoreShow Less
48 Mo CD
2.27% $50,000 - Learn MoreShow Less
Special: 59 Mo CD
2.84% $10,000 - Learn MoreShow Less
2.22% $10,000 $24,999 Learn MoreShow Less
60 Mo CD
2.63% $50,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.06% $1,000 $9,999 Learn MoreShow Less
Special: 18 Mo FIRA
2.07% $5,000 - Learn MoreShow Less
Special: 50 Mo FIRA
2.53% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.05% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $9,999 Learn MoreShow Less

Loan Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Citizens State Bank of Loyal

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.905% 3.875% 0.38 $900 $1,176 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Citizens State Bank of Loyal
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

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

Your Location:
Ashburn,Virginia


Citizens State Bank of Loyal Locations


Financial Details

Citizens State Bank of Loyal Ratio Analysis

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

Texas Ratio
Citizens State Bank of Loyal U.S. Bank Average
1.58% 6.97%

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 December 31, 2018, Citizens State Bank of Loyal had $434,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $25,647,000 in equity and $1,801,000 in loans loss reserves. That gives it a Texas Ratio of 1.58%.

Return on Equity
Citizens State Bank of Loyal U.S. Bank Average
8% 8.80%

Citizens State Bank of Loyal has a Return on Equity of 8% versus the BestCashCow average of 8.80%. 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.

Capitalization
Citizens State Bank of Loyal U.S. Bank Average
12.41% 12.29%

Citizens State Bank of Loyal has a Capitalization of 12.41% versus the BestCashCow average of 12.29. 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 of Loyal Balance Sheet Analysis

As of December 31, 2018, Citizens State Bank of Loyal had assets of $206,688,000, loans of $124,855,000, and deposits of $166,534,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.12 billion
Loan loss allowance $0.00 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 $0.18 billion
LIABILITIES
Total deposits $0.17 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.17 billion
      % insured (estimated) 78.21%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.18 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
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

Frequently Asked Questions About Citizens State Bank Of Loyal

Branches and Savings

Is Citizens State Bank Of Loyal FDIC insured?

Yes. It is covered under FDIC Certificate #6186.

Why does Citizens State Bank Of Loyal 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 Of Loyal CD rates not competitive?

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

Is Citizens State Bank Of Loyal a commercial bank?

Yes

Where are Citizens State Bank Of Loyal locations?

See branch locations nearby.

Is Citizens State Bank Of Loyal open on Saturdays?

Is Citizens State Bank Of Loyal open on Sundays?

What time does Citizens State Bank Of Loyal open?

What time does Citizens State Bank Of Loyal close?

Are Citizens State Bank Of Loyal ATMs Open 24/7?

Do Citizens State Bank Of Loyal ATMs accept cash deposits?

Can Citizens State Bank Of Loyal customers use other ATMs?

Do Citizens State Bank Of Loyal branches have notaries?

Will Citizens State Bank Of Loyal notarize my document?

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

Will the Citizens State Bank Of Loyal branch print checks?

Do Citizens State Bank Of Loyal checks expire?

Does Citizens State Bank Of Loyal require US citizenship to open account?

Can Citizens State Bank Of Loyal close my account?

Does Citizens State Bank Of Loyal Report to credit bureaus?

Does Citizens State Bank Of Loyal Use Equifax?

What is Citizens State Bank Of Loyal's ACH Routing Number?

What is Citizens State Bank Of Loyal's SWIFT code?

Products

Does Citizens State Bank Of Loyal offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Citizens State Bank Of Loyal offer personal loans?

Compare personal loan rates here.

Does Citizens State Bank Of Loyal offer student loans?

Will Citizens State Bank Of Loyal cash a check?

Will Citizens State Bank Of Loyal redeem a savings bond?

Does Citizens State Bank Of Loyal cash savings bonds?

Will Citizens State Bank Of Loyal cash money orders?

Can Citizens State Bank Of Loyal issue a money order?

Does Citizens State Bank Of Loyal do currency exchange?

Background on The Bank

Who owns Citizens State Bank Of Loyal?

How long has Citizens State Bank Of Loyal been around?

Can Citizens State Bank Of Loyal transfer to other banks?

Does Citizens State Bank Of Loyal have quick pay?

Does Citizens State Bank Of Loyal accept rolled coins?

Will Citizens State Bank Of Loyal accept loose change?

Where is Citizens State Bank Of Loyal headquarters?

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