# CITIZENS SAVINGS BANK
CLARKS SUMMIT, PA · FDIC certificate 31184 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $359.0M | |
| Deposits | $304.0M | |
| Loans and leases | $299.2M | |
| Total equity | $53.8M | |
| Loans / deposits | 98.10% (p86 of band) | 82.04% |
| Liquid assets / assets | 12.34% (p10 of band) | |
| Uninsured deposits / deposits | 6.69% (p2 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.12% (p90 of band) | 10.81% |
| Unrealized securities loss / equity | -1.32% (p84 of band) | -8.10% |
| AOCI / equity | 0.09% (p84 of band) | |
| ROA (annualized) | 0.24% (p6 of band) | 1.28% |
| Net interest margin | 2.57% (p4 of band) | 3.91% |
| Efficiency ratio | 88.44% (p94 of band) | |
| Noncurrent loans | 0.27% (p40 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 125.28% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.93% (p5 of band) | |
| Auto loans | $32,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | assets shrinking |  |
| 2013-09 | 1 |  | assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | uninsured deposits leaving |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | reserve under noncurrent |  |
| 2020-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 1 |  | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 2 | reserve under noncurrent |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | capital falling, reserve under noncurrent |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | expense ratio p90, NIM <2.5%, uninsured deposits leaving |  |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 6 | losing money, reserve under noncurrent |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 | assets shrinking | reserve under noncurrent |
| 2024-06 | 5 |  | uninsured deposits leaving |
| 2024-09 | 3 |  | deposits shrinking, assets shrinking |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | losing money |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 1 |  | NIM <2.5%, reserve under noncurrent |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-05-17 [People on the Move, May 17, 2026 - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMigAFBVV95cUxNT2l4RGM2YVVPR1U0SzZZbU9CMngwd3F2OGUzbmhwWUw3ZG1USjQyTWozaVh0WjFSLUkwUmdQQWpDbnVXSWtvTm1XSVZtNHNXTTBpZXVfcXhmcFlMT0lsOTc3cXlHX0RaU3RMYlVZQXNrMmQ1d0dpYndBY2lKcUw0Mg?oc=5) · Scranton Times-Tribune
- 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
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS0drOGU3TGtueEZLZ2Q5TFk1NnQydjFJTlZ0UHdtZ0FBTFkyZWQ5UW9nQkNEV3ZyaVh3WVR3am9oWVBSQ1QzZk8tV29STVlFOS1NaDBLdDg4Qklma01NS2p3ZFo5cU45dllhbC04QVg1SldDTVRjeURiMXFyak5GT0YtdFpFSy1KMnJ1V1EyX19ub016?oc=5) · Newsweek Rankings
- 2023-02-20 [What are Black-Owned Banks And How Do You Support Them? - Bankrate](https://news.google.com/rss/articles/CBMidEFVX3lxTE1OUk1iblRtZ2RKZldJRHVUMldVRWk5Ui01LXdGaXdsYUFmWmtIejcxcGhWdFlNVjM0TV91NHdNUEE4TkdPd0NJYnF4eURJNUhzeHBfMU9IY2IzakdHX01aWDFNc0tjdTRQMkZXUGo5bUprdW5I?oc=5) · Bankrate
- 2019-02-16 [People on the Move - The Citizens' Voice](https://news.google.com/rss/articles/CBMicEFVX3lxTE0wenFLUXJsQ2FVQXFqMG5xdXRRV1NJVDNiV0VZODA1UFRKM3JhY2MxcUpvNDJsb2E0cjhWNUk3RU40YW5rclpLUDZMbUxGTi1NRkwteWxONEl0dGc0SmRfX0d6MWJMSTVzSU9jOXZfbGU?oc=5) · The Citizens' Voice
- 2026-05-31 [People on the Move, May 31, 2026 - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMigAFBVV95cUxQTDZSa0lWMWlyc0REaHgtTi1sWnZHT2tELTZ4RWpKY3dydkd0X19ScW02SGhpNWFUTEluUzJYYTMwaElQS0t2NkYydWlqcE1fNmxXaUFuTXhfZkNzUTB4X3h6MTdheEw2MEJHejIzQ3NERGdZeXR0Uk5PUjRXVjlIMQ?oc=5) · Scranton Times-Tribune
- 2017-03-29 [More Federal Charges for Suspected Bank Robbers - WNEP](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPNFFVZHhaOHNSSGFNV0VpX3pGZklJLVpaNmtVdDBpNkt5LTgzOGw4QV9XUE9NWERadzgwYU0tYW9mRk5EWWRMUS1reE1ybndsbWkzY25XbXo1am5mbTRLdG9YVVFtVk1rU1hVWFFneHc1UmtuWFU5SEpRLXFEX3dZeWJNNG11SGlzQnF3TDh6dFRKYTdMcUl5S25pTXZIX1I2Wlp4dGM2V0VFQzlwVkRXX3VIRGJaa21VNDJWdE8zSWhCUTVzcmxQeHgzcWJZUUVMSEx1V3l3aFVLaHpCdmY0?oc=5) · WNEP
- 2023-06-10 [Donald LaTorre Obituary (1937 - 2023) - West Pittston, PA - Citizens Voice - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPWWJ4dkdOblh2SXVlbHdXVExDZ0pjdHVyYThNa3BmOW5XRVJBaDU2UXBjSlMyeGRxZkZWcVVFX1N1S2c4S016bkVxMG9Rb253bkVIWXN4a0VvVzEyNklUYTJ5TUNRSGhBc21QMDJRSW1MRGwtdjRoV3U4ZzVjRWNqQXJCb3VONld0STQ4YXhlV0FLS29VQUE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31184 (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/16.json (key "31184", 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