# CITIZENS SAVINGS BANK
SPILLVILLE, IA · FDIC certificate 12128 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $151.1M | |
| Deposits | $129.2M | |
| Loans and leases | $68.6M | |
| Total equity | $16.2M | |
| Loans / deposits | 52.11% (p22 of band) | 73.59% |
| Liquid assets / assets | 51.53% (p80 of band) | |
| Uninsured deposits / deposits | 18.60% (p46 of band) | 19.81% |
| Brokered deposits | 0.66% | |
| Wholesale funding | 3.83% (p68 of band) | |
| FHLB advances / assets | 3.18% | |
| Tier 1 leverage | 15.54% (p79 of band) | 11.76% |
| Unrealized securities loss / equity | -69.85% (p3 of band) | -6.57% |
| AOCI / equity | 1.51% (p98 of band) | |
| ROA (annualized) | 0.67% (p24 of band) | 1.17% |
| Net interest margin | 2.25% (p3 of band) | 3.93% |
| Efficiency ratio | 61.27% (p38 of band) | |
| Noncurrent loans | 0.05% (p30 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 3638.24% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 1.87% (p23 of band) | |
| Auto loans | $453,000 (0.66% of loans; DQ 7.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | wholesale funding >15% |  |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | wholesale funding >15% |  |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 2 | wholesale funding >15%, AOCI drag >20% of equity |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity, capital falling |
| 2014-06 | 0 |  | wholesale funding >15% |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | wholesale funding >15% |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 3 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2017-03 | 3 | brokered >10% | deposits shrinking |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | uninsured deposits leaving |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 1 |  | brokered >10% |
| 2019-06 | 2 | deposits shrinking |  |
| 2019-09 | 1 |  | deposits shrinking |
| 2019-12 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 1 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling, reserve under noncurrent | wholesale funding >15% |
| 2020-12 | 2 | wholesale funding >15% | capital falling |
| 2021-03 | 1 |  | wholesale funding >15% |
| 2021-06 | 1 | capital falling | reserve under noncurrent |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | wholesale funding >15% | capital falling |
| 2023-03 | 3 | NIM <2.5%, deposits shrinking | AOCI drag >20% of equity, wholesale funding >15% |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 5 | AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | deposits shrinking, uninsured deposits leaving, AOCI drag >20% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 3 | capital falling | noncurrent p90, reserve under noncurrent |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2026-02-12 [Citizens Savings Bank plans move to new headquarters - Nashville Post](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPYl83UlBuV0xGVjVnbWNYUzc4UG5wVkhkOTBINnBCMTl1QVJHTjdXSDNIVWlQa21ZOENaMmZrUTltT0dxRnNkSnNsMkZqU0k5czJKY2xfSEpETTgyU0plbk12UzZYVEJNZVV5QmdkN1RpRkZIQWxsMEc3enYzQlNHSVZiVnZuR3pfTVVWR0JPRGhQSXVJUFJCYVpmNHBrdWt6SEQ5Q1pxTUpnbXV2aFBiUkxSalNxaUtvMDJ3YVVsV0dxSUtCaENsNmV4NU9ETmJnU0xsWXBEY04?oc=5) · Nashville Post
- 2025-04-10 [Hills Bank & Trust in Kalona named Top Beginning Farmer Lending Institution - Corridor Business Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSjVIZFYweU91dXhial9wNS1Ob0laOTlrbHZEd0pRWWdzYmV5akFpZF9EWDZON2U4VHE5QV9xeFRTZm9WT1UxWEFrbHc2UnZ2WFZFUGVZckJpc0VDLUZyaENtQmNld1ItNkd4RG9JbkUyVlF4RU1QRjhoM3dOcUU4UENObDFHbENhc2VkMGFGQUlZUXh6VkpXYmhfNW5zbzIwTGFVM2dn?oc=5) · Corridor Business Journal
- 2023-07-28 [Dime names new CEO, BayFirst names new finance chief and more - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxPem5EVUx0ck1mTFFsMzhIMkh4M0ZFeUVDYjYtSHFJUG5jaWkxNHV4R1c5UXM5cGVZUFdacGJnUUhlX3lIcDJHLVdGa2laRWJ6eGJWanFOaDltTkt6dVZDVzdoZ3l2Z1VKOVlwSUNTZkV2TDUtNGJFX3ZsNV9ZdUYxT2Q2ZWdjeUhWZHdfMDJaT01QV0JWRlkzc3EzS2w?oc=5) · American Banker
- 2026-04-20 [Northeast Iowa Banks Team Up for Fraud Prevention Seminar - KCHA News](https://news.google.com/rss/articles/CBMilAFBVV95cUxNV1Z2bkh0ODJlZDIycUxxUFU3Z1B5cHItT2VWNGVMd2lVT3R4YmxnSVk1TUs0SHVyRnc1YTJqSWxQVmNKM2xaWDQtUjFLallPX0dPMWRuY0lveDZhRFoxSDQwb2RRQ3NiTVljM3g1aHdqSFhqSEVIUW12d2JGTV9tVDc3TkF3US0zUEhkUlAzcVJaSUxp?oc=5) · KCHA News
- 2025-07-19 [Lori Ann Maulsby (Klingbeil) Obituary Mar 31, 2007 - Mitchell Family Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE1PenNVTHhZcW01WXNQRGxDR2V5SXc0ME1MMllqX2lZNzFwSzNUY1BJV0hqWW0yZzI3ektTQ0cwcVAtZkhmYXc1bHBTQzNJMkdzaDg3c05oSU85eElVR2dBV1NQM2hqd1Y0Mmo2Ng?oc=5) · Mitchell Family Funeral Home
- 2026-07-21 [Iowa River Wellness mental health clinic now serving patients in Marshalltown - - Times Republican](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOVkg2UzZ3a3RqME9xcTMxVXdfRUFzYTZyMmJ4aFlJQ3NkRFpqWWhXTk1XY1BpODZQSmRRSnltQ3NGaklvcTZlR1AtdmhCbWY0TWdlQmtNRUg5dEdHU090OVVObnBpTlN6blNubUF1VTFQTUZ1aGdwd2VfUld0NXBGVTFJMi1YRWpJWWw0bTIwWVRrT3N1aXJJYUFyUnlpUVpHSXZnRkpRQ3JsTWVjVWxiSmk4VUhuT3Z5TURKYzNOOEc3cjZqSWgxQU41aUE1TGVs?oc=5) · Times Republican
- 2026-02-26 [On the Move: Feb. 26, 2026 - Nashville Post](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOTVJpcGRxem5QUDA4SzJrYnJVSV94akViYm5JcmJkdGZLVXVsbGRIT3NIVEhWU2NWM0JiYzNuLWppMlNLczhSdzB3Y01FSDhxUEtXLVZLRzdGTkNBUEVEaXcxU0lrblVTOGM4QU5DSlBlX09ySG45T0Vuc0NIR3BmTFBxVG0yQW5Gcm9waTBqTDgtTXF3NGRRdHNfZFRyNGdDelhzdk8xWWhiNTFxX2RqMDF0dU9tcnUxdWFJ?oc=5) · Nashville Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12128 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "12128", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide