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Overview / Commentary
400 North Main Street
Loyal, WI 54446

Citizens State Bank of Loyal is headquartered in Loyal and is the 115st largest bank in the state of Wisconsin. It is also the 3,234th largest bank in the nation. It was established in 1909 and as of March of 2014, it had grown to 50 employees at 5 locations. Citizens State Bank of Loyal's savings rates are 92% higher than the national average, and it has a A health rating.

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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 of Loyal had $1.94 million in non-current loans and owned real-estate with $22.26 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank of Loyal a Texas Ratio of 8.70% 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 of Loyal decreased dramatically from 12.57% as of March 31, 2013 to 8.70% as of March 31, 2014, resulting in a positive change of 30.74%.This indicates that the balance sheet and financial strength for Citizens State Bank of Loyal has improved dramatically in recent periods.

Deposit Growth


In the past year, Citizens State Bank of Loyal has increased its total deposits by $2.53 million, resulting in 1.74% 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 of Loyal 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 of Loyal has $185.04 million in assets with $22.26 million in equity, resulting in a capitalization level of 12.03%, which is excellent.

Institution Statistics

FDIC Certificate #6186
Year Established1909
Primary RegulatorFDIC
Assets and Liabilities
Assets$185.04 million
Loans$105.87 million
Deposits$148.34 million
Equity Capital$20.67 million
Loan Loss Allowance$1.59 million
Unbacked Noncurrent Loans$1.84 million
Real Estate Owned$96,000
Historic Data - March 2013
Assets$185.76 million
Equity Capital$20.37 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$1.84 million
Real Estate Owned$80,000
Profit Margin - Quarterly
Net Interest Margin3.63%
Return on Assets1.15%
Return on Equity10.46%
Interest Income$1.84 million

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Citizens State Bank of Loyal Savings Account Rates

1.00%$100-CSB Health Savings Account
0.70%$50k-Variable IRA Savings
0.70%$50k-Variable SEP IRA Savings
0.70%$50k-Variable Roth IRA Savings
0.70%$50k-Variable Coverdell Education Savings
0.25%--CSB Christmas Savings
0.15%--CSB Regular Savings

Citizens State Bank of Loyal Money Market Rates

0.60%$100k-CSB Money Market

Citizens State Bank of Loyal Checking Account Rates

1.26%-$20kLoyal Rewards Checking - Qualifying
0.10%$50k-CSB NOW Account
0.05%--Loyal Rewards Checking - Non Qualifying

Citizens State Bank of Loyal CD Rates

1.30%$50k-60 Month CD
1.15%$50k-48 Month CD
1.15%$10k-45 Month CD Special
0.90%$50k-36 Month CD
0.75%$10k-18 Month CD Special
0.70%$50k-24 Month CD
0.45%$50k-12 Month CD
0.35%$50k-6 Month CD
0.15%$10k-91 Day CD

Citizens State Bank of Loyal IRA Rates

1.35%$5k-50 Month IRA CD Special
1.30%$50k-60 Month IRA CD
1.15%$50k-48 Month IRA CD
0.90%$50k-36 Month IRA CD
0.75%$5k-15 Month IRA CD Special
0.70%$50k-24 Month IRA CD
0.45%$50k-12 Month IRA CD
0.35%$50k-6 Month IRA CD
0.15%$10k-91 Day IRA CD

Citizens State Bank of Loyal Locations
Marshfield Branch103 West Mcmillan StreetMarshfield, WI 54449
Neillsville Branch2 Boon BoulevardNeillsville, WI 54456
Spencer Branch302 South Pacific StreetSpencer, WI 54479
Citizens State Bank Of Loyal400 North Main StreetLoyal, WI 54446
Granton BranchFirst and Maple StreetsGranton, WI 54436