# CITIZENS STATE BANK
CARLETON, NE · FDIC certificate 18724 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $35.6M | |
| Deposits | $27.8M | |
| Loans and leases | $31.4M | |
| Total equity | $4.0M | |
| Loans / deposits | 112.13% (p97 of band) | 73.59% |
| Liquid assets / assets | 8.65% (p2 of band) | |
| Uninsured deposits / deposits | 4.38% (p3 of band) | 19.81% |
| Brokered deposits | 10.64% | |
| Wholesale funding | 20.49% (p95 of band) | |
| FHLB advances / assets | 7.03% | |
| Tier 1 leverage | 11.43% (p45 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.49% (p67 of band) | 1.17% |
| Net interest margin | 4.73% (p84 of band) | 3.93% |
| Efficiency ratio | 58.83% (p32 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 39% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $703,000 (2.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | loans exceed deposits |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 | capital falling | wholesale funding >15%, loans exceed deposits |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 2 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2012-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | loans exceed deposits |  |
| 2013-12 | 0 |  | loans exceed deposits |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | uninsured deposits leaving | capital falling |
| 2014-09 | 2 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2014-12 | 2 | uninsured deposits leaving | liquid assets <10% |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2015-09 | 2 | liquid assets <10% | wholesale funding >15% |
| 2015-12 | 1 | uninsured deposits leaving | loans exceed deposits, liquid assets <10% |
| 2016-03 | 2 | loans exceed deposits |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | wholesale funding >15%, liquid assets <10% | uninsured deposits leaving |
| 2016-12 | 1 |  | wholesale funding >15%, liquid assets <10% |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 | wholesale funding >15% | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | assets shrinking |  |
| 2019-03 | 4 | deposits shrinking |  |
| 2019-06 | 2 |  | assets shrinking, deposits shrinking |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 | uninsured deposits leaving | wholesale funding >15%, capital falling |
| 2020-03 | 1 |  | uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | loans exceed deposits |
| 2021-03 | 1 | reserve under noncurrent | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | wholesale funding >15% |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | wholesale funding >15% |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2023-06 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2023-09 | 4 | wholesale funding >15% |  |
| 2023-12 | 4 | capital falling | reserve under noncurrent |
| 2024-03 | 1 |  | loans exceed deposits, wholesale funding >15%, capital falling |
| 2024-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | deposits shrinking | uninsured deposits leaving |
| 2025-03 | 2 |  | deposits shrinking |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 5 | liquid assets <10%, capital falling, charge-offs p90 | reserve under noncurrent |
| 2025-12 | 4 |  | liquid assets <10% |
| 2026-03 | 4 | brokered >10%, liquid assets <10% | capital falling, charge-offs p90 |
| 2026-06 | 4 |  |  |

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

- 2026-09-03 [Bank pulls plans for new building in Fishers - Current Publishing](https://news.google.com/rss/articles/CBMiigFBVV95cUxQWFUyZmVHSnVwN2RTTmxiUmttVHVrN1lMTFJEeG5RVHlmZl82bWhlSDZBZUtGdWFNUU5RNjVfMFNtWWZHeUhyXzdNZ0hYTzllYU1LQkNDR2JxaVEzLVQ4b3JMMVRDM0RDeEpINC1CNXpFeHlQYllUT3BtZTNsdV9BYm1vVW5NaU5YQVE?oc=5) · Current Publishing
- 2026-08-05 [Citizens State Bank branch in Fishers advances after drive-through removed - LarryInFishers](https://news.google.com/rss/articles/CBMioAFBVV95cUxPd0xiSzZUdHMwcy1Xamp2aVpEWlhuME1Bb2RaV0o2Q25GdmdrWEVnM21TVUFXazZUS2l5WXB2X1UzSUlzOWVIdjJJWnEwdDFTNU1zNDNNX3kyQWZHVG1XTVRfMXJ0Uks0VkVuTEVhS2IyblNWZG5VVWZFalVlazJDbjhROUUzZ0ZSMnBWdXdWZ2dGTE1uQ0xlV2ctUERtS2xY?oc=5) · LarryInFishers
- 2026-01-24 [Citizens State Bank celebrates 150 YEARS - - nujournal.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPR3kzMEgxdlFOQjB5bmxtbWoxVG5fZTQ5MjNhYURUU2lsVllJSGpJTkxnTjdkUERlZ0VuTmEzNHY5NmJLb1cybUgzT3phQzJmRUpsS1FHTThSaEp5c1dWWlBqNGtzVEU3azE0ODRIWnJYcVI0RTByTVV6V0xVNnRlOGowb1RtanlKVmlmWE1yYXQ3QVd3UnZmVjlSTTlJLVpvbFBr?oc=5) · nujournal.com
- 2025-10-27 [UW-Whitewater recognizes First Citizens State Bank with Regents Business Partnership Award - University of Wisconsin-Whitewater](https://news.google.com/rss/articles/CBMidEFVX3lxTE1yREpJbTVlSWRtQzJCX0FCTlFFdUN0SzhXNGlYemhicDBKSzY0RmFqMkszR25Qc29laWdBWEpRUzl5UksyS2QwMHp6Z19FbE0wNEtGRDB1VDBjb1Z2dkRSZFBfY1U5MXZpSkFpaWdZcWFrNHJD?oc=5) · University of Wisconsin-Whitewater
- 2026-07-21 [New bank, drive-thru proposed on East 116th Street in Fishers - Current Publishing](https://news.google.com/rss/articles/CBMinwFBVV95cUxNVWhpdlVvd1BsY1RKa3dYdFl5cW9fdzN5M01SZE1Rd1A3bEE2YkQxRGRRVXVlRW9NazBQdnJ3bTZzVFNqLW9xQTJETXVZVmNZR19yWTRmTnRGUEJIUWdOdkJHN1h3NXppTHhYVUNBZmFRZ1FWZjRfb1ozMTFaV3pnU3hicHdERVM1SGk0UVRCV3VWNksxRldWYllYRVRwOUk?oc=5) · Current Publishing
- 2025-09-14 [Burgess is new Citizens State Bank of Loyal executive VP/chief lending officer - Hub City Times](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNS3BkRm4xTmM0am4zUVZ5RTZKWXZVdUEyYV95VXpCc3dZVGJYWFAwSnF6RnB4T3RHZS1VMkZCX0ZMWnA4RkJBMnFQekJJZGlROUEwbUtCby10ZlJKZTctNlpDbG81b3hlZEdXNHFBbFBja1FkUXBXQzktNk5QaTcxQzlWMjhXcVh3OURiaUVFSDhoRUx2clA5dGd3ejR0SnVObDZsa0Y1a2t5RDduSFdNcmprUmxCLUNh?oc=5) · Hub City Times
- 2025-05-29 [Citizens State Bank enters Austin with a focus on small businesses - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNX09nZjBNNTNIR3NoU1BYOExOR2xpejdnaGdHRHhzRktERXpfMHVPaDNCbXdnUXNCYndzVF96RTZIRjAxZV8yRngybE5Bbkdrdl84WnBjb190RDJhNXFnRFdnbFEtN083TUNGTVN4LUF1VXRldDdZUlhlVkUtM2J4Uzd1ZU4yMGtsclZ2S1g5Nk55dkR3YWk2bTQ0ZV8yZUw4RFFJakY4NUQyUQ?oc=5) · The Business Journals
- 2022-11-17 [Citizens State Bank to acquire Community Financial Bank - WEAU](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVGgxX2dNYVlvaV93bWVHb214MmxfQ0JJeGNlVzlXOHVnWmFwRGZFaDRud2pZWmZMNDBhZWMxNHBTeUVhQ1lpY3gyeURXby05eklUMDFMNUtlTTMyd3kyNHNoeFlCSTQweWthU1B5MmhsaDlGWXpLeXZIbHd4Z2ZIWkY5Q013bVBSV3htdGRB0gGiAUFVX3lxTFBGR1NiVTNZT0ladU0xTjdZNUJoSjBCMXRQTXhWRlRhRmVGNzlqQVpBRE5oeWJxdUJnWnRqdzJOeHVNUEZjbVN0V0IzUGowbnZ2TzhyTjhwT2pNMVNNekJUdERiNWFaOXljSjR4U2tLd0xGNkhwSVg3LUV4eWJnNDV0eWdhU3hsbjRCUTJyb0NmWXVKb2FXUUpDTGItY2xZYlBFQQ?oc=5) · WEAU

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18724 (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/36.json (key "18724", 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