# CITIZENS STATE BANK
ROYAL OAK, MI · FDIC certificate 8183 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $581.0M | |
| Deposits | $530.5M | |
| Loans and leases | $455.5M | |
| Total equity | $48.0M | |
| Loans / deposits | 84.92% (p59 of band) | 82.04% |
| Liquid assets / assets | 19.36% (p30 of band) | |
| Uninsured deposits / deposits | 38.46% (p85 of band) | 25.97% |
| Brokered deposits | 1.85% | |
| Wholesale funding | 1.85% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.58% (p7 of band) | 10.81% |
| Unrealized securities loss / equity | -9.56% (p45 of band) | -8.10% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 1.83% (p81 of band) | 1.28% |
| Net interest margin | 4.86% (p91 of band) | 3.91% |
| Efficiency ratio | 42.14% (p7 of band) | |
| Noncurrent loans | 0.18% (p31 of band) | 0.43% |
| Net charge-offs (annualized) | 0.21% (p91 of band) | |
| Reserve coverage of noncurrent | 613.56% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 77.58% (p76 of band) | |
| Auto loans | $1.8M (0.40% of loans; DQ 0.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 41.5% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

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

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

- 2025-06-16 [News | Citizens State Bank acquires land in Royal Oak, Michigan, for headquarters - costar.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQb0dfNTktbllFRUdfdTRfWXpNU19hVnh0MzhQUFBnbFpVTWtlZHhJcXhJZFRPVHdzZFQzZWVBbllCMU01UzExRXAxak9pT196YWtlTm5oUGdxbTh1WXBrUXl4YjJLQm1mX1dnRWtSNWtMbjR5WHVfQXdCd2ttcnljc2x5cHBCLWlUaVdveF9GengxNV9uSDJpZDJRRG96TFUtOElZNGtXaEpqZlJSVHg3NnRJajQ?oc=5) · costar.com
- 2022-06-13 [Citizens State Bank Unveils New High-Yielding Interest Account Backed by Cutting-Edge Technology and Over $120 Million in Assets - DBusiness Magazine](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPNFB1TjRPVjVtZlpES0htTzItcV9vVE5ERDFGcFVfQ3F2U3NtN0VoNVJRV05EU1ZVSmtNd3ptU0hhTi03SjY0eGU5d3dVUUlIVXlETW5ROHZkbkxFWDdPa1pQa0VmVF9iRHEzdXE0bG9SMGZPS2hQQk9KSTFiSDIxeExQbWhFOVh0cEhpVzdoWlA5dzNFYWppZ2JOZzZhOEZfV0wtT1QxcEJCaEJvUVZFZUhLelhLU0xXN2E0bmZsVm43azlySVV6VHRPVDYyS1BtNWRkTDhON21FWTRVUHphbktjeHQwTnJZeGNaUGdId1NhamxPZ3hIWWxRYThOVmM?oc=5) · DBusiness Magazine
- 2022-02-23 [Chaldean-owned bank focuses on cash-intensive Detroit area businesses - The Detroit News](https://news.google.com/rss/articles/CBMizAFBVV95cUxPUEtxMHJYSHZLTnU4OHRPZUtIT2hpNUpyWjFRczhlRmFDbU8wSFJhMXFSZDdsSS10di16WXo2ZzM0QUJha3JjOVd4T2JLODhZS0R4R3ozM0p2dlFiNkdvNnhMYlZRcjdIajFudVpyUW9oMmg5RDRXVXJYMmlVVGtzZEkzLWVsbkxMLUU5cWpneW12Q2hudy15bmcySnZQSUFqZnFodjBqcE85Q0F5R1BZM3d1YmRhUkNCT2tsMmlQOFlrWXZsclAydGxpUU8?oc=5) · The Detroit News
- 2025-02-28 [Multiple Texas community banks ink merger deals - American Banker](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNZ2dsY3Nqdjlld1ROdUJaVmk3aWhrQks1U3JVcXhhaWQ3T25wTTdGVDJCNlQ1QzhCSUJpYlVvNWs5bWZNeE5SQ2ZpYklmSGtGSFBuMjJ5UGF0ZFZXRl9OOFk5cm0xcVdlamkxcnh5N1NaZHBOMUVsd1doV1RITGFsMGY3LXNwWFlwSG5J?oc=5) · American Banker
- 2021-11-04 [New bank in Royal Oak offers cannabis banking - The Oakland Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxQV3NNLURjU3BjcTN5LUxGVG5jdVpvOVBhT1pEc2c2cW9La3VOckZvX0FlVlk1N3YwejgxeEkyUXlDUkxmQ3JaLWJFLVAwdnFTU1hnN2hJQjRoSlVHTUVqT0JnVFoyYnJQSFlXdzBpOFhnaXVROWdrRXd5SFpTdDN2cXkwV09LNGtGSUpDYkxLcw?oc=5) · The Oakland Press
- 2024-06-12 [Citizens State Bank opens Montrose branch - Montrose Daily Press](https://news.google.com/rss/articles/CBMixAFBVV95cUxOaVByTEdNMWJ4WTZJZEVSdUFQdnpucDhoRGJHSjN0aDNpWTY1dXdCTGk4R2pkVlo2dm90ektDNHdmVVlDZG9XbmxLeVRTdkh5aEhuMlpqY0hLUnVoREZSQzlzLVRxZjRJaG5ObFREUzhPMEdCNTJ3RmN5OFNDV1ljSjc5ek04aTNJVHlaODFjT3VwODNiYnJNMi1iZWJETUMtMVdYdUxwVlk0UGc4MWEwR0xHT2FDcGpWYmo2bXljdHUyRWxJ?oc=5) · Montrose Daily Press
- 2025-11-27 [A Bridge Called Hope - City Lifestyle](https://news.google.com/rss/articles/CBMiZkFVX3lxTE05OWhoUHZ1eVJ2bC1nV1M5TE5aUWhTVDNyblloTlhhakgyNWRHSWRJT09VZGp0VTVRU25HcDN6OU1xa1R1RGtzeDdmNUlsZ1JoWTh1WXFSM3FPT3hEVVU1cmIyeGhxQQ?oc=5) · City Lifestyle
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8183 (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/55.json (key "8183", 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