Citizens Bank Minnesota (FDIC #8200): Bank Stress & Real-Estate Credit Exposure
Citizens Bank Minnesota (FDIC Cert #8200): bank stress 77/100, severe, STABLE over 7 days; parent CITIZENS BCORP OF NEW ULM INC.
Citizens Bank Minnesota (#8200) lends in 6 counties across 1 state; Citizens Bank Minnesota (#8200) reaches 74 ZIP codes: Minnesota 6 counties, 74 ZIPs.
Citizens Bank Minnesota (#8200) largest markets: Dakota County, MN (22 branches, 22 ZIPs) (#8200), Martin County, MN (15 branches, 15 ZIPs) (#8200), Meeker County, MN (13 branches, 13 ZIPs) (#8200), Brown County, MN (11 branches, 11 ZIPs) (#8200), Nicollet County, MN (10 branches, 10 ZIPs) (#8200), Watonwan County, MN (10 branches, 10 ZIPs) (#8200).
Citizens Bank Minnesota (#8200) reports $596.0 million in total assets; Citizens Bank Minnesota (#8200) equity $53.9 million (9.0% of Citizens Bank Minnesota (#8200) assets); Citizens Bank Minnesota (#8200) domestic deposits $498.7 million; Citizens Bank Minnesota (#8200) net income $2.5 million; Citizens Bank Minnesota (#8200) return on assets 0.85%; Citizens Bank Minnesota (#8200) return on equity 9.45%; Citizens Bank Minnesota (#8200) net interest income $8.8 million; Citizens Bank Minnesota (#8200) call report June 30, 2026.
Citizens Bank Minnesota (#8200) noncurrent real-estate loans: none reported; Citizens Bank Minnesota (#8200) net charge-offs on real estate 0.03%.
Citizens Bank Minnesota (#8200) net interest margin 3.17% against an eight-quarter Citizens Bank Minnesota (#8200) average of 2.79% (Citizens Bank Minnesota (#8200) compression -0.38 points); Citizens Bank Minnesota (#8200) rate-exposure score 40/100, Citizens Bank Minnesota (#8200) fixed-rate trap 40/100; Citizens Bank Minnesota (#8200) risk type credit driven; Citizens Bank Minnesota (#8200) rate regime rates elevated, Citizens Bank Minnesota (#8200) snapshot October 19, 2026.
Citizens Bank Minnesota (#8200) stress score moved from 76 on June 22, 2026 to 76.9 on October 20, 2026; Citizens Bank Minnesota (#8200) ranged 76 to 76.9 over 117 snapshots.
Citizens Bank Minnesota (#8200) alerts: 6 counties; top Citizens Bank Minnesota (#8200) alert scores: Lafayette County, MN 26 (low); Lakeville County, MN 26 (low); La Salle County, MN 26 (low); New Ulm County, MN 26 (low); Ormsby County, MN 26 (low).