# CITIZENS STATE BANK
BALD KNOB, AR · FDIC certificate 8727 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $70.3M | |
| Deposits | $62.3M | |
| Loans and leases | $12.1M | |
| Total equity | $4.8M | |
| Loans / deposits | 18.63% (p3 of band) | 69.26% |
| Liquid assets / assets | 75.41% (p97 of band) | |
| Uninsured deposits / deposits | 12.36% (p49 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.61% (p60 of band) | |
| FHLB advances / assets | 3.61% | |
| Tier 1 leverage | 7.26% (p5 of band) | 10.29% |
| Unrealized securities loss / equity | -63.05% (p1 of band) | -1.01% |
| AOCI / equity | -58.98% (p1 of band) | |
| ROA (annualized) | 0.58% (p38 of band) | 0.76% |
| Net interest margin | 3.21% (p28 of band) | 3.63% |
| Efficiency ratio | 91.66% (p84 of band) | |
| Noncurrent loans | 5.53% (p94 of band) | 0.94% |
| Net charge-offs (annualized) | 0.02% (p36 of band) | |
| Reserve coverage of noncurrent | 78.72% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 20.11% (p55 of band) | |
| Auto loans | $480,000 (3.95% of loans; DQ 14.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | deposits shrinking |  |
| 2012-12 | 2 | assets shrinking | noncurrent p90, reserve under noncurrent |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 3 | AOCI drag >20% of equity | assets shrinking |
| 2013-09 | 4 | securities losses >30% of equity |  |
| 2013-12 | 5 | noncurrent p90, reserve under noncurrent | deposits shrinking |

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

- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2024-06-12 [Citizens State Bank opens Montrose branch - Montrose Daily Press](https://news.google.com/rss/articles/CBMixAFBVV95cUxOaVByTEdNMWJ4WTZJZEVSdUFQdnpucDhoRGJHSjN0aDNpWTY1dXdCTGk4R2pkVlo2dm90ektDNHdmVVlDZG9XbmxLeVRTdkh5aEhuMlpqY0hLUnVoREZSQzlzLVRxZjRJaG5ObFREUzhPMEdCNTJ3RmN5OFNDV1ljSjc5ek04aTNJVHlaODFjT3VwODNiYnJNMi1iZWJETUMtMVdYdUxwVlk0UGc4MWEwR0xHT2FDcGpWYmo2bXljdHUyRWxJ?oc=5) · Montrose Daily Press
- 2025-07-23 [Cadence acquires Shiner bank, several others in area - Lavaca County Today](https://news.google.com/rss/articles/CBMijwFBVV95cUxQU1F3Y0ExaWtpRWdlcDRpNUNyQjRTN3hnb182WkRIUE5kTHIzYnBCRVlQbFJfUV9qTkQ3SUdod2VnLUY0NGVTbTh4QWZ1X1d3alpFR1JiZXRTTGVGZXVTMktRcnhVcTFmd2JnYVpsdk1SMU1ITGpmblI2dzdFN1lXQVdBd3JNVEZXbEVuVXoxOA?oc=5) · Lavaca County Today
- 2022-08-28 [Allen Anderson Obituary Jul 22, 2005 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE9QRnJGX0FoUFpLc200M254dUpCS00yYXB6dFd2eC05dm1QNHVkRVZLOFM1NTZQVXFjUk5Fd0hoVktXTlZrVFdYb296RndjQjJtdmJZM2pOZlRLa3Y1TVFIWmJ6WFVRU2tvbk1pZDI5WQ?oc=5) · Stevenson Funeral Homes
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2023-06-22 [Molly Helen Goforth Kircher - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihgFBVV95cUxQeGVsVC0zS3dqWng1Y25nM0thbDMwTGZwVTVWQkJ1S2JicWR4WU1HMDlINVZxUG8zcFVLckUtdGZkRldfQ08wLXZ2cndZN3dXMVRLT195NExRalV2ZVJheEpuTkVpdjFLcVJ2QnV2SHVvZWo0cXFKYmJvWFZGVnJuc0F0OHlIQQ?oc=5) · The Arkansas Democrat-Gazette
- 2011-08-04 [LR lawyer admits to fraud called largest ever in state - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxOZmdMWktlcjZud0VBVUNxR09fbjdZN1YtZ3hYRXNUOXc3YVJRcDJtbFh0S21VM1dfWDRoVVF1djRacllMbUhTMXR6NUI4eVNkUWFOSUk0RUhhYlB4dmxxNTdJcGg2QnpLRE9nOUVhUi1EUEIwdmY0ZzcxbEFwNzBSNXhFRUJ6dmxnZ0U3STFFRE9pbzg2bXllOWNB?oc=5) · Northwest Arkansas Democrat-Gazette
- 2023-06-23 [Molly Kircher Obituary (1942 - 2023) - Bald Knob, AR - White County Citizen - Legacy obituary](https://news.google.com/rss/articles/CBMimwFBVV95cUxPOTRmc1cwRFVyQ0l0OExPRjAyN0tGcno4Zy1lcWpXUno1dGhWZ2R0Q2xYSE5vbFQ0eWxDRWFCSFY4NEdMUG9FNUVjZDlQVUZuOHY3TjBCUzB0cEhaLXo1bGtfQWFaZUpXSTNFU29kWHBDTUw5RFU2YzFEME1paGpwLV9Ub19NOFlBTTlOdU1pR3RLd19oTXdZckhqaw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8727 (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/23.json (key "8727", 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