Citizens State Bank (FDIC #2467): Bank Stress & Real-Estate Credit Exposure
Citizens State Bank (FDIC Cert #2467): bank stress 70/100, elevated, STABLE over 7 days; parent CITIZENS BCORP INC.
Citizens State Bank (#2467) lends in 3 counties across 1 state; Citizens State Bank (#2467) reaches 57 ZIP codes: Wisconsin 3 counties, 57 ZIPs.
Citizens State Bank (#2467) largest markets: Marathon County, WI (29 branches, 29 ZIPs) (#2467), Chippewa County, WI (56 branches, 14 ZIPs) (#2467), Price County, WI (14 branches, 14 ZIPs) (#2467).
Citizens State Bank (#2467) reports $237.6 million in total assets; Citizens State Bank (#2467) equity $21.2 million (8.9% of Citizens State Bank (#2467) assets); Citizens State Bank (#2467) domestic deposits $196.8 million; Citizens State Bank (#2467) net income $1.5 million; Citizens State Bank (#2467) return on assets 1.21%; Citizens State Bank (#2467) return on equity 14.33%; Citizens State Bank (#2467) net interest income $5.1 million; Citizens State Bank (#2467) call report June 30, 2026.
Citizens State Bank (#2467) noncurrent real-estate loans: none reported; Citizens State Bank (#2467) net charge-offs on real estate 0.78%; Citizens State Bank (#2467) residential charge-offs 0.17%.
Citizens State Bank (#2467) net interest margin 4.36% against an eight-quarter Citizens State Bank (#2467) average of 3.98% (Citizens State Bank (#2467) compression -0.38 points); Citizens State Bank (#2467) non-residential real estate 16.7% of equity; Citizens State Bank (#2467) rate-exposure score 40/100, Citizens State Bank (#2467) fixed-rate trap 40/100; Citizens State Bank (#2467) risk type credit driven; Citizens State Bank (#2467) rate regime rates elevated, Citizens State Bank (#2467) snapshot October 19, 2026.
Citizens State Bank (#2467) stress score moved from 71.6 on June 22, 2026 to 70.1 on October 20, 2026; Citizens State Bank (#2467) ranged 70.1 to 71.6 over 117 snapshots.
Citizens State Bank (#2467) alerts: 3 counties; top Citizens State Bank (#2467) alert scores: Cornell County, WI 24 (low); Prentice County, WI 24 (low); Stratford County, WI 24 (low).