Is Citizens State Bank of Loyal Safe?
Citizens State Bank of Loyal 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 (50/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.95% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 36.06% | 100/100 |
| Return on Assets | 0.75% | 50/100 |
| Total Assets | $0.3B | |
How does Citizens State Bank of Loyal compare?
With a Bank Health Score of 95/100, Citizens State Bank of Loyal sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Wisconsin, where 141 FDIC-insured banks are headquartered, Citizens State Bank of Loyal ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 14.95% 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 State Bank of Loyal's Bank Health Score improved by 1.0 points to 95/100. Tier 1 capital weakened by 0.32 percentage points to 14.95%.
Citizens State Bank of Loyal 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 (50/100).