Citizens State Bank (FDIC #6194): Bank Stress & Real-Estate Credit Exposure
Citizens State Bank (FDIC Cert #6194): bank stress 68/100, elevated, STABLE over 7 days; parent CITIZENS BANCSHARES WOODVILLE.
Citizens State Bank (#6194) lends in 3 counties across 1 state; Citizens State Bank (#6194) reaches 43 ZIP codes: Wisconsin 3 counties, 43 ZIPs.
Citizens State Bank (#6194) largest markets: Dunn County, WI (22 branches, 22 ZIPs) (#6194), St. Croix County, WI (54 branches, 18 ZIPs) (#6194), Pierce County, WI (13 branches, 13 ZIPs) (#6194).
Citizens State Bank (#6194) reports $488.2 million in total assets; Citizens State Bank (#6194) equity $47.1 million (9.7% of Citizens State Bank (#6194) assets); Citizens State Bank (#6194) domestic deposits $410.5 million; Citizens State Bank (#6194) net income $2.9 million; Citizens State Bank (#6194) return on assets 1.21%; Citizens State Bank (#6194) return on equity 12.73%; Citizens State Bank (#6194) net interest income $9.0 million; Citizens State Bank (#6194) call report June 30, 2026.
Citizens State Bank (#6194) noncurrent real-estate loans 0.02% of its book; Citizens State Bank (#6194) residential -0.01%; Citizens State Bank (#6194) net charge-offs on real estate 0.43%; Citizens State Bank (#6194) residential charge-offs 1.11%.
Citizens State Bank (#6194) net interest margin 3.80% against an eight-quarter Citizens State Bank (#6194) average of 3.53% (Citizens State Bank (#6194) compression -0.27 points); Citizens State Bank (#6194) real-estate loans 2.0% of equity; Citizens State Bank (#6194) non-residential real estate 111.2% of equity; Citizens State Bank (#6194) rate-exposure score 40/100, Citizens State Bank (#6194) fixed-rate trap 40/100; Citizens State Bank (#6194) risk type credit driven; Citizens State Bank (#6194) rate regime rates elevated, Citizens State Bank (#6194) snapshot October 19, 2026.
Citizens State Bank (#6194) stress score moved from 66.9 on June 22, 2026 to 67.6 on October 19, 2026; Citizens State Bank (#6194) ranged 66.9 to 67.6 over 116 snapshots.
Citizens State Bank (#6194) alerts: 3 counties; top Citizens State Bank (#6194) alert scores: Elmwood County, WI 23 (low); Menomonie County, WI 23 (low); Woodville County, WI 23 (low).