Citizens State Bank of Loyal

Citizens State Bank of Loyal is headquartered in Loyal and is the 138^th largest bank in the state of Wisconsin. It is also the 3,799^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 46 employees at 4 locations. Citizens State Bank of Loyal's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Citizens State Bank of Loyal Checking Account Rates

Citizens State Bank of Loyal Savings Account Rates

Citizens State Bank of Loyal Money Market Rates

Citizens State Bank of Loyal CD Rates

Citizens State Bank of Loyal IRA Rates

Data for Q1 2012

Institution Statistics Citizens State Bank of Loyal FDIC Certificate # 6186 BankRate Report View Year Established 1909 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $154.22 million Loans $92.40 million Deposits $118.40 million Equity Capital $16.08 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $1.25 million Real Estate Owned $415,000 Historic Data - March 2011 Assets $147.01 million Equity Capital $14.83 million Loan Loss Allowance $2.02 million Unbacked Noncurrent Loans $1.75 million Real Estate Owned $220,000 Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.94% Return on Equity 9.03% Interest Income $1.62 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Citizens State Bank of Loyal had $1.66 million in non-current loans and owned real-estate with $17.29 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank of Loyal a Texas Ratio of 9.60% which is above average. 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 slightly from 11.67% as of March 31, 2011 to 9.60% as of March 31, 2012, resulting in a positive change of 17.74%.This indicates that the balance sheet and financial strength for Citizens State Bank of Loyal has improved slightly in recent periods. Deposit Growth In the past year, Citizens State Bank of Loyal has increased its total deposits by $10.09 million, resulting in 9.31% 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 excellent. Capitalization 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 $154.22 million in assets with $17.29 million in equity, resulting in a capitalization level of 11.21%, which is above average.

No reviews have been left for this bank yet. Be the first to review.