Citizens State Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Citizens State Bank (FDIC Cert #5495) registers 70/100 on DLRadar's scale — a elevated reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Because Citizens State Bank is held under Citizens National Corp, its financials are open to scrutiny and its trend can be independently checked. DLRadar maps Citizens State Bank into 8 counties (91 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Nebraska (8 counties). The Citizens State Bank score updates as fresh FDIC call reports post each quarter, so its 70/100 reading and 8-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Citizens State Bank is directly comparable to any lender in the country. The value is in the linkage: Citizens State Bank's elevated reading is mapped onto 91 ZIP codes and 8 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. A elevated score on a footprint this size means the markets Citizens State Bank touches inherit a corresponding share of that lending pressure. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, Citizens State Bank finances markets like Cass County, NE, Sarpy County, NE, Cedar County, NE, Saline County, NE — the specific places where its credit posture translates into local lending capacity. Citizens State Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Citizens State Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.