# CITIZENS STATE BANK
HUDSON, WI · FDIC certificate 6194 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $488.2M | |
| Deposits | $410.5M | |
| Loans and leases | $401.1M | |
| Total equity | $47.1M | |
| Loans / deposits | 96.42% (p84 of band) | 82.04% |
| Liquid assets / assets | 16.56% (p20 of band) | |
| Uninsured deposits / deposits | 30.10% (p67 of band) | 25.97% |
| Brokered deposits | 2.93% | |
| Wholesale funding | 8.75% (p73 of band) | |
| FHLB advances / assets | 5.81% | |
| Tier 1 leverage | 10.02% (p35 of band) | 10.81% |
| Unrealized securities loss / equity | -4.71% (p64 of band) | -8.10% |
| AOCI / equity | -0.41% (p46 of band) | |
| ROA (annualized) | 1.21% (p46 of band) | 1.28% |
| Net interest margin | 3.80% (p44 of band) | 3.91% |
| Efficiency ratio | 58.15% (p40 of band) | |
| Noncurrent loans | 0.43% (p50 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p63 of band) | |
| Reserve coverage of noncurrent | 305.25% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 44.40% (p51 of band) | |
| Auto loans | $562,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 67 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | brokered >10%, leverage <7%, leverage <5%, losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  | brokered >10%, reserve under noncurrent, construction >100% equity |
| 2011-09 | 4 |  | losing money |
| 2011-12 | 2 |  | leverage <5% |
| 2012-03 | 1 |  | expense ratio p90 |
| 2012-06 | 3 | deposits shrinking, assets shrinking |  |
| 2012-09 | 1 |  | deposits shrinking, assets shrinking |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 4 | capital falling, losing money, expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 1 |  | capital falling, losing money, expense ratio p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | leverage <7% |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | construction >100% equity |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 | loans exceed deposits | construction >100% equity, capital falling |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 1 | loans exceed deposits |  |
| 2025-03 | 0 |  | loans exceed deposits |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 0 |  | charge-offs p90 |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-04-22 [Charges filed in Cornell bank robbery at Citizens State Bank - WEAU](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcHpSaktuakltTU9Va2JETEVZa0tla21SQTZWT1NORUhReDNyc05mRk5adzh6bHFiMGVkNGhBZHJmZ19OX2wxM0RjYlZ5NktDaFdydUhTdGR5UldZQ1U5bXR5Vk9EZS1raDVaRWhiMWNOcmVaenpESU95SWpsMHRIY0ZNaUE5TGlfY2RickkwaDTSAaQBQVVfeXFMTkpDZktGUTBibXl0TkljcVFtcUdFcGdCaHJGZXh4TE5CYnJmYjJ4WTJRT09lUXhkSEN1djZKN0JvNHBxU201bDZmRnlyYjNPbG5IRUN5QUFZQmZsekRnQ2stdGpvSkZDSlhGblRhQlA1Y0NyX0dDX2xBNFFJYUg2Mjk1eHpmXzFUTWpCTTR2TUw1TExISllTRDZmd1VKQ2xvMXBES00?oc=5) · WEAU
- 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
- 2026-02-03 [Christian Lunde, Hired at Citizens State Bank - Minneapolis - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMHFuVjc4R2dDQVY0b3Fod0Q2dlhKejhQSHFqSXdjeXJKbDVWZHdwc292TjRpcC1VWEJfRkdPZmo0dHJXMGxVNngwaGJ5NDcxSDBCaUtObzNOTWNjNGpKQ1EyemI3U3hVYmVXZ1lYdk1oQXpHSExXbkxyNHB1elZCaDlKaXRrYUxHeVlucU9OcE1fcVE4Z3c?oc=5) · The Business Journals
- 2026-03-02 [First Citizens State Bank announces promotions - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMizwFBVV95cUxPMzVmMWV5ZmRlRlJvR0d6Z21raDRZV3k0WHRDdnRBOFdoWVhlQjR6Q3JfeU1FaXc0alZJOGRUS05RSUpYOXZ1enBvVUc4V3I5cWV1dkFwZnkyMm9ncGJUTHFZZEota0pOQUhab2dwdXFEV3VhSEx2WlFlbWVUX19VeUVYY1BrdkhwbGZoNGZlVlhFVUxEVXNzdFE1bFpJUTZWS3Bkbm9ZaDNFN3VGQjVDLVBQYzYzT3lQRndtcl9mTVFhZ1NIcWJOVEdiTDUtVnc?oc=5) · Daily Jefferson County Union
- 2026-04-16 [Cornell police investigating incident at Citizens State Bank - WEAU](https://news.google.com/rss/articles/CBMilAFBVV95cUxQUHpQSFFWWldWY2haWWtPQklfdWN0YU4xejVOSGhkeE1BdzZsbERZSndNLUduT1FzcWZiN0NXeGRqeG80a2Q5TlJGdlYyMzltelVvRnIxa1pobzRmOHc0eFRzZk9rNU5IY1dZcFdLMk1mZDNsLVVDU21UbE9aWDBYY1J6UDllbF9VNG5GRlM2R3ZDVGd0?oc=5) · WEAU
- 2026-04-17 [UPDATE: Man in custody for allegedly attempting to rob a bank in Cornell Thursday morning - wqow.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxPUldrci1OV1N0Z0M1NHpfaFdtbGhKVGJ6OXFJNy05RVhmc0ZGNVZTYjlOd3NQcmxpcnhRRHQ0UHRJbXpvN1FKLU95TDJFcnhyeXlHcEZCMTNRTmVFZzlVVEVJdGprcHdFRmpCbE9fMGRpUE96ckF3RDdMZXROQkJfd2VjUnEwLTNJay1jZGpmVjhIT2xycTJUcFV2S2h1NENCNzZWNUJ5YmVJR25QWTQzQWtUZWtiVDF5LWllT2tGY1hLcjMtaTlsWDlQd0UwX0JXbHB2QlBxczhXUVA5SFNZeHd6RU14QWdfaktpakFYSk5yYTF0OXVHdlRxcFF2RVpSYzJrUGlTZWVpZUdY?oc=5) · wqow.com
- 2026-07-22 [Redlin-Ertz Funeral Home - Redlin-Ertz Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxOU2wtaElvYjQ4NDRFNG4tbkJab2dYRzJxNWdwSVlaeWQ4aFhCMDJjZk5UeFpRT0xMa1pBY0xnTWdHdVhreEtXX2RxOVA0S2FhU2p6WlpTVmpDai1PdmFNeFF5M3I2elpoVDM5YmdyWFdVUXdTVHROQTBXakd0SGtQbA?oc=5) · Redlin-Ertz Funeral Home
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6194 (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/50.json (key "6194", 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