Citizens State Bank (FDIC #9047): Bank Stress & Real-Estate Credit Exposure
Citizens State Bank (FDIC Cert #9047): bank stress 78/100, severe, STABLE over 7 days; parent HERKY HAWK FINANCIAL CORP.
Citizens State Bank (#9047) lends in 6 counties across 1 state; Citizens State Bank (#9047) reaches 101 ZIP codes: Iowa 6 counties, 101 ZIPs.
Citizens State Bank (#9047) largest markets: Linn County, IA (30 branches, 30 ZIPs) (#9047), Clayton County, IA (24 branches, 24 ZIPs) (#9047), Dubuque County, IA (20 branches, 20 ZIPs) (#9047), Delaware County, IA (51 branches, 17 ZIPs) (#9047), Jones County, IA (17 branches, 17 ZIPs) (#9047), Buchanan County, IA (16 branches, 16 ZIPs) (#9047).
Citizens State Bank (#9047) reports $594.4 million in total assets; Citizens State Bank (#9047) equity $39.6 million (6.7% of Citizens State Bank (#9047) assets); Citizens State Bank (#9047) domestic deposits $537.8 million; Citizens State Bank (#9047) net income $3.5 million; Citizens State Bank (#9047) return on assets 1.17%; Citizens State Bank (#9047) return on equity 18.79%; Citizens State Bank (#9047) net interest income $8.1 million; Citizens State Bank (#9047) call report June 30, 2026.
Citizens State Bank (#9047) noncurrent real-estate loans: none reported; Citizens State Bank (#9047) net charge-offs on real estate 2.31%; Citizens State Bank (#9047) residential charge-offs 7.67%.
Citizens State Bank (#9047) net interest margin 2.93% against an eight-quarter Citizens State Bank (#9047) average of 2.55% (Citizens State Bank (#9047) compression -0.39 points); Citizens State Bank (#9047) non-residential real estate 767.4% of equity; Citizens State Bank (#9047) rate-exposure score 40/100, Citizens State Bank (#9047) fixed-rate trap 40/100; Citizens State Bank (#9047) risk type credit driven; Citizens State Bank (#9047) rate regime rates elevated, Citizens State Bank (#9047) snapshot October 19, 2026.
Citizens State Bank (#9047) stress score moved from 80 on June 22, 2026 to 77.8 on October 20, 2026; Citizens State Bank (#9047) ranged 77.8 to 80 over 117 snapshots.
Citizens State Bank (#9047) alerts: 6 counties; top Citizens State Bank (#9047) alert scores: Monticello County, IA 27 (low); New Vienna County, IA 27 (low); Ryan County, IA 27 (low); Springville County, IA 27 (low); Strawberry Point County, IA 27 (low).