# CITIZENS BANK MINNESOTA
NEW ULM, MN · FDIC certificate 8200 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $596.0M | |
| Deposits | $498.7M | |
| Loans and leases | $404.5M | |
| Total equity | $53.9M | |
| Loans / deposits | 80.52% (p47 of band) | 82.04% |
| Liquid assets / assets | 27.32% (p57 of band) | |
| Uninsured deposits / deposits | 16.89% (p18 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.59% (p66 of band) | |
| FHLB advances / assets | 4.87% | |
| Tier 1 leverage | 9.33% (p19 of band) | 10.81% |
| Unrealized securities loss / equity | -15.30% (p30 of band) | -8.10% |
| AOCI / equity | -0.80% (p30 of band) | |
| ROA (annualized) | 0.85% (p24 of band) | 1.28% |
| Net interest margin | 3.17% (p15 of band) | 3.91% |
| Efficiency ratio | 67.13% (p67 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 3331.82% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 9.66% (p14 of band) | |
| Auto loans | $2.4M (0.58% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 91 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-07-23 [Citizens Bank Minnesota celebrates 150 years - - nujournal.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOMmdoYUN0X3J1cV8wdU1vMzJPcU9lNGJ3RHljY3owYkhjeEMwcHd6RUZGd0VmN0hDM3hFcXZFdEpScjV1VEY5N20xNGNmeWw4UUJPZmVFWTRhT2NkbnkyZlBUOW9wUU9HOEloaXAwWlRYRnQtMHc2TVlRRDZva2J3QVJyNkx0SHJXVmNaZXItZ3FUV0VuTTA5UzJ2aF9KelE?oc=5) · nujournal.com
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Minnesota - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUzh0Z3pCcmdqcXR3Vi0xQ0IzV0VKUGE3ZHpzRWVTcGpKSjFNMk5BZ2c0SnRCa1ZYRVlzd0dfX3ZlWVpDaDVhNXdGSXpERG0tZzN6VzRTRkp1ek50ZFJCei1sWHhSNXoxSlg0di1CMkpLUzliel9KS1dLWXMwOVdnaXpFcHJMUm9ydmxuMFpISDg?oc=5) · Newsweek Rankings
- 2022-01-24 [Citizens Bank Minnesota announces promotions - - nujournal.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOTllCcmY0c09PZnVIRXdYMjVQZnZ1N09pUGVTZnRaaTR2X3F3UHlWSEFqM2dKT3ZkdU5RUkxkM3hyaEtWamhZWm9ZRm5kS3dpZUNLalNpVUNlVXdZSkFGSDVEckdaMUpkTFo1a0tNUk9uTXNIZzVjYjRXT3VLRThNSkJGT3pCWTV1SWI0Si1KZGNKOE5LS25PQXVZODVMcjBBTEE?oc=5) · nujournal.com
- 2018-07-09 [Donald Welander honored for 50 years in banking - Fillmore County Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxQUml2OWRVVGlSUzBPV1RtWWpwbHUtUjU5Ym5scGhhMUZhUHNFbGo2blNfODJMVXdLZDBvYVhUTFRHU0oxRDJ4eVZSanppazVwOE9jWkhUMGN6N0pHZjAyMkVxQjZmMHEwNjNmS08yRmRXdVdxZHUySFNuT0NOc25TaFpvbkhuak1Bdnc?oc=5) · Fillmore County Journal
- 2013-01-20 [Award recognizes bank president’s many successes - Mankato Free Press](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQbWZrTFg0R3pPSkFESklMR3hVZHJ1bnBiRDFQQVJuQkJCczFDMi1WOUFTTFdHSUhWTmxORlUzZ291SDdZcjhMT1JwcVNFME5ITlROQmZnV2I0NHA3ZDY3N1dsY2QyM2dZZzV3NGVTckcxcEo3WVMzRjk0aU5EMVBTOTQxQVlOSEJ4djVuUmk0WWRuT0tuWmY5WWE5dGlzeDJHM3F4S3ZIRWxtNzRYWllQem5LVktKdThhMVNnZkRrWkVDMkFONVBxWTdkSmI4Z1I1QllkQU5oM205SnVfU2Z4Sg?oc=5) · Mankato Free Press
- 2025-04-08 [Best Banks and Credit Unions in Minnesota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxONEVZdDF6MnpjeWpqd2NiNGdSU2U1LUxhZzRhU01NU19hUDBybnZackI0empPNGxIRlktTkNBVTJQajliR083MDRmMVhueWxCUDVka3ZTMHNSRHl0M2hCS1NtWmFhamk4VW5pM1pDbUFDcmVkcmJLNU8yNXU3cmZGamV5dVA2bHc3ekEyVnlGRXE?oc=5) · Newsweek Rankings
- 2026-01-24 [Citizens State Bank celebrates 150 YEARS - - nujournal.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPR3kzMEgxdlFOQjB5bmxtbWoxVG5fZTQ5MjNhYURUU2lsVllJSGpJTkxnTjdkUERlZ0VuTmEzNHY5NmJLb1cybUgzT3phQzJmRUpsS1FHTThSaEp5c1dWWlBqNGtzVEU3azE0ODRIWnJYcVI0RTByTVV6V0xVNnRlOGowb1RtanlKVmlmWE1yYXQ3QVd3UnZmVjlSTTlJLVpvbFBr?oc=5) · nujournal.com
- 2024-12-17 [Citizens Bank Senior Vice President Tim Hoscheit to retire - - nujournal.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPajZ4bG9ycmRicDNNak13dU5LOV8xN2QzdGhLTDZzdnpKUHBwODU1T2tlU2JBWGUtNmVJYzBTd3o1cV9EaTJGYVNacHFxb2RtX1RDbGJOVWNNMU1XVlhhaWplSC1JQVlvblI1WnI4NVpFdDF3YXExQi1MUHZ0Nm5qeVU4dmczdmhiMTlMeHE5RmFFR2ZoNVZ6blp2VF9DU2wxRWJocXlNZnpXZzc3dFE?oc=5) · nujournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8200 (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/8.json (key "8200", 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