Is Citizens Savings Bank Safe?
Citizens Savings Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (51/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.51% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 58.38% | 100/100 |
| Return on Assets | 0.78% | 51/100 |
| Total Assets | $0.2B | |
How does Citizens Savings Bank compare?
With a Bank Health Score of 95/100, Citizens Savings Bank sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Iowa, where 162 FDIC-insured banks are headquartered, Citizens Savings Bank ranks above the state average of 68/100 (Grade B).
The bank's Tier 1 capital ratio of 19.51% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens Savings Bank's Bank Health Score fell by 1.0 points to 95/100. Tier 1 capital strengthened by 0.96 percentage points to 19.51%.
Citizens Savings Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (51/100).