Citizens State Bank (FDIC #5495): Bank Stress & Real-Estate Credit Exposure
Citizens State Bank (FDIC Cert #5495): bank stress 70/100, elevated, STABLE over 7 days; parent CITIZENS NATIONAL CORP.
Citizens State Bank (#5495) lends in 8 counties across 1 state; Citizens State Bank (#5495) reaches 91 ZIP codes: Nebraska 8 counties, 91 ZIPs.
Citizens State Bank (#5495) largest markets: Cass County, NE (60 branches, 20 ZIPs) (#5495), Sarpy County, NE (14 branches, 14 ZIPs) (#5495), Cedar County, NE (26 branches, 13 ZIPs) (#5495), Saline County, NE (24 branches, 12 ZIPs) (#5495), Cuming County, NE (33 branches, 11 ZIPs) (#5495), Greeley County, NE (16 branches, 8 ZIPs) (#5495).
Citizens State Bank (#5495) reports $653.0 million in total assets; Citizens State Bank (#5495) equity $57.8 million (8.8% of Citizens State Bank (#5495) assets); Citizens State Bank (#5495) domestic deposits $592.2 million; Citizens State Bank (#5495) net income $3.9 million; Citizens State Bank (#5495) return on assets 1.22%; Citizens State Bank (#5495) return on equity 14.20%; Citizens State Bank (#5495) net interest income $10.7 million; Citizens State Bank (#5495) call report June 30, 2026.
Citizens State Bank (#5495) noncurrent real-estate loans: none reported; Citizens State Bank (#5495) net charge-offs on real estate 0.32%; Citizens State Bank (#5495) residential charge-offs 1.06%.
Citizens State Bank (#5495) net interest margin 3.47% against an eight-quarter Citizens State Bank (#5495) average of 3.38% (Citizens State Bank (#5495) compression -0.09 points); Citizens State Bank (#5495) non-residential real estate 106.5% of equity; Citizens State Bank (#5495) rate-exposure score 40/100, Citizens State Bank (#5495) fixed-rate trap 40/100; Citizens State Bank (#5495) risk type credit driven; Citizens State Bank (#5495) rate regime rates elevated, Citizens State Bank (#5495) snapshot October 19, 2026.
Citizens State Bank (#5495) stress score moved from 71.3 on June 22, 2026 to 70.3 on October 20, 2026; Citizens State Bank (#5495) ranged 70.3 to 71.3 over 117 snapshots.
Citizens State Bank (#5495) alerts: 8 counties; top Citizens State Bank (#5495) alert scores: Friend County, NE 23 (low); Laurel County, NE 23 (low); Leigh County, NE 23 (low); Newman Grove County, NE 23 (low); Papillion County, NE 23 (low).