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Overview / Commentary
921 Avenue E.
Wisner, NE 68791

Citizens State Bank (NE) is headquartered in Wisner and is the 27th largest bank in the state of Nebraska. It is also the 2,005th largest bank in the nation. It was established in 1888 and as of March of 2014, it had grown to 70 employees at 10 locations. Citizens State Bank (NE)'s savings rates are 2X the national average, and it has a B+ health rating.

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Must Open The Account Locally In Person.

Must open the account locally in person to make use of out of state deposits at this bank.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Citizens State Bank (NE) had $3.3 million in non-current loans and owned real-estate with $34.43 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank (NE) a Texas Ratio of 9.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citizens State Bank (NE) increased slightly from 1.13% as of March 31, 2013 to 9.57% as of March 31, 2014, resulting in a negative change of 749.07%. This indicates that the balance sheet and financial strength for Citizens State Bank (NE) has declined slightly in recent periods.

Deposit Growth


In the past year, Citizens State Bank (NE) has increased its total deposits by $1.1 million, resulting in 0.38% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens State Bank (NE) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens State Bank (NE) has $326.71 million in assets with $34.43 million in equity, resulting in a capitalization level of 10.54%, which is above average.

Institution Statistics

FDIC Certificate #5495
Year Established1888
Primary RegulatorFED
Assets and Liabilities
Assets$326.71 million
Loans$268.05 million
Deposits$288.71 million
Equity Capital$30.27 million
Loan Loss Allowance$4.17 million
Unbacked Noncurrent Loans$3.28 million
Real Estate Owned$20,000
Historic Data - March 2013
Assets$322.56 million
Equity Capital$30.15 million
Loan Loss Allowance$4.01 million
Unbacked Noncurrent Loans$3.28 million
Real Estate Owned$23,000
Profit Margin - Quarterly
Net Interest Margin3.81%
Return on Assets1.24%
Return on Equity13.53%
Interest Income$3.49 million

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Citizens State Bank (NE) Savings Account Rates

1.20%$250k-Health Savings Account
0.30%--Regular Savings Account

Citizens State Bank (NE) Money Market Rates

0.50%$250k-Money Market Savings Account

Citizens State Bank (NE) Checking Account Rates

0.40%$250k-DDA Business Interest Checking
0.25%$250k-Now Checking Account
0.25%$250k-Gold Club Checking Account

Citizens State Bank (NE) CD Rates

1.80%$1k-60 Month CD
1.50%$1k-48 Month CD
1.25%$1k-30 Month CD
1.25%$1k-36 Month CD
1.20%$1k-24 Month CD
1.10%$1k-18 Month CD
0.85%$1k-12 Month CD
0.50%$1k-6 Month CD
0.30%$1k-3 Mnoth CD

Citizens State Bank (NE) IRA Rates

1.45%$250-30 Month IRA
1.40%$250-12 Month IRA
1.40%$250-18 Month IRA

Citizens State Bank (NE) Locations
West Point Office Branch109 East Sherman StreetWest Point, NE 68788
Belden Branch114 Nebraska StreetBelden, NE 68717
Friend Branch150 Maple StreetFriend, NE 68359
Laurel Branch201 South Highway 20Laurel, NE 68745
Leigh Branch203 Main StreetLeigh, NE 68643
Creston Branch234 Pine StreetCreston, NE 68631
Citizens State Bank921 Avenue E.Wisner, NE 68791
Spalding BranchMain StreetSpalding, NE 68665