Citizens Stb of la Crosse
La Crosse, Wisconsin · FDIC Cert #1513
Citizens Stb of la Crosse is an FDIC-insured bank (Certificate #1513) with $648M in total assets and $510M in total deposits as of the Q2 2024 Call Report. Headquartered in La Crosse, Wisconsin, the bank maintains a Tier 1 capital ratio of 11.56% (Well-Capitalized) and a nonperforming loan ratio of 0.89%. BankHealthData assigns a composite Health Grade of B (66/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Citizens Stb of la Crosse (FDIC cert 1513) is a community bank — $648M in total assets, $510M in deposits, serving the La Crosse, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.56% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.89% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 12.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.68% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Citizens Stb of la Crosse carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Citizens Stb of la Crosse
- Total Assets
- $648M
- Total Deposits
- $510M
- Tier 1 Capital Ratio
- 11.56%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.89%
- Liquidity Ratio
- 12.17%
- Return on Assets
- 1.68%
- Headquarters
- La Crosse, Wisconsin
- FDIC Certificate
- #1513
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Citizens Stb of la Crosse holds a Tier 1 capital ratio of 11.56%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Citizens Stb of la Crosse has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Citizens Stb of la Crosse shows strong financial health indicators. With $648M in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Citizens Stb of la Crosse Compares
Citizens Stb of la Crosse’s Health Score of 66 is 1 points below the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 11.56% Tier 1 capital ratio is 2.4 points below the US banking industry average near 14%. The 0.89% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.68% is in line with or above the national ROA benchmark of ~1.1%. Among 1303 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Citizens Stb of la Crosse is 4 points below the portfolio average of 70.
Frequently Asked Questions
Citizens Stb of la Crosse has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.56%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Citizens Stb of la Crosse's Tier 1 capital ratio of 11.56% and nonperforming loan ratio of 0.89% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Citizens Stb of la Crosse is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1513). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Citizens Stb of la Crosse holds $648M in total assets and $510M in total deposits. It is headquartered in La Crosse, Wisconsin (FDIC Certificate #1513).
Citizens Stb of la Crosse has a Tier 1 capital ratio of 11.56%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.89%, and the return on assets is 1.68%.
Yes. Citizens Stb of la Crosse is FDIC-insured (Certificate #1513). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Citizens Stb of la Crosse's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.