Citizens Savings Bank (FDIC #31184): Bank Stress & Real-Estate Credit Exposure

Citizens Savings Bank (FDIC Cert #31184): bank stress 68/100, elevated, STABLE over 7 days.

Citizens Savings Bank (#31184) lends in 3 counties across 1 state; Citizens Savings Bank (#31184) reaches 88 ZIP codes: Pennsylvania 3 counties, 88 ZIPs.

Citizens Savings Bank (#31184) largest markets: Monroe County, PA (35 branches, 35 ZIPs) (#31184), Wayne County, PA (30 branches, 30 ZIPs) (#31184), Lackawanna County, PA (116 branches, 29 ZIPs) (#31184).

Citizens Savings Bank (#31184) reports $359.0 million in total assets; Citizens Savings Bank (#31184) equity $53.8 million (15.0% of Citizens Savings Bank (#31184) assets); Citizens Savings Bank (#31184) domestic deposits $304.0 million; Citizens Savings Bank (#31184) net income $437,000; Citizens Savings Bank (#31184) return on assets 0.24%; Citizens Savings Bank (#31184) return on equity 1.63%; Citizens Savings Bank (#31184) net interest income $4.4 million; Citizens Savings Bank (#31184) call report June 30, 2026.

Citizens Savings Bank (#31184) noncurrent real-estate loans: none reported; Citizens Savings Bank (#31184) net charge-offs on real estate 0.27%.

Citizens Savings Bank (#31184) net interest margin 2.57% against an eight-quarter Citizens Savings Bank (#31184) average of 2.43% (Citizens Savings Bank (#31184) compression -0.15 points); Citizens Savings Bank (#31184) rate-exposure score 40/100, Citizens Savings Bank (#31184) fixed-rate trap 40/100; Citizens Savings Bank (#31184) risk type credit driven; Citizens Savings Bank (#31184) rate regime rates elevated, Citizens Savings Bank (#31184) snapshot October 19, 2026.

Citizens Savings Bank (#31184) stress score held at 68 across 117 daily snapshots, June 22, 2026 to October 20, 2026.

Citizens Savings Bank (#31184) alerts: 3 counties; top Citizens Savings Bank (#31184) alert scores: Honesdale County, PA 23 (low); Mount Pocono County, PA 23 (low); Taylor County, PA 23 (low).