FDIC certificate 12128
Citizens Savings Bank
Spillville, Iowa · 101 Church St 52168
Hunter Score
This bank ranks below the middle of its size group.
Down 1 point from last quarter.
Compared with 1,208 banks with $100 million to $300 million in assets.
A high score is not a recommendation to buy or sell.
What stands out
Citizens Savings Bank has a Hunter Score of 35 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with $100 million to $300 million in assets.
The FDIC reported noncurrent loans of 0.05% (field NCLNLSR). Among banks with $100 million to $300 million in assets, the peer rank for this measure is 75 out of 100. A rank of 50 is typical.
The FDIC reported net interest margin of 2.25% (field NIMY). Among banks with $100 million to $300 million in assets, the peer rank for this measure is 2 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Unrealized securities loss is at least a quarter of equityAvailable-for-sale securities were $65,620,000 at fair value and $76,912,000 at amortized cost (FDIC fields SCAF and SCAA). The difference is an unrealized loss of $11,292,000, equal to 70% of total equity. We flag this at 25% of equity. It is not an FDIC limit. Held-to-maturity unrealized losses are not included, because this file does not publish a held-to-maturity cost we can subtract from fair value without guessing.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Iowa with $100 million to $300 million in assets, ordered by Hunter Score.
- Audubon State Bank83out of 100
- Security Savings Bank82out of 100
- The Citizens First National Bank of Storm Lake79out of 100
- Farmers Trust & Savings Bank78out of 100
- Bellevue State Bank77out of 100
Top Hunter Scores in Iowa · Top scores with $100 million to $300 million in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
6.41%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 20 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
0.67%
Profit for each dollar of assets. Higher is stronger.
Peer rank 19 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
2.25%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 2 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
61.27%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 57 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.05%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 75 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202635 out of 100
- Q1 2026, ending March 31, 202636 out of 100
- Q4 2025, ending December 31, 202526 out of 100
- Q3 2025, ending September 30, 202520 out of 100
- Q2 2025, ending June 30, 202524 out of 100
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About this bank
- Total assets
- $151.1 million
- Deposits
- $129.2 million
- Equity
- $16.2 million
- Tangible equity
- $16.2 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 3
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Agricultural Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $493,000Year-to-date, as reported. Not annualized.
Holding company and stock symbol
This bank does not report a holding company. The Federal Reserve RSSD for the bank is 544447.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
101 Church St, Spillville, IA 52168
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.