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304 North Main Street
Cadott, WI 54727

Citizens State Bank (WI) is headquartered in Cadott and is the 175th largest bank in the state of Wisconsin. It is also the 4,563rd largest bank in the nation. It was established in 1902 and as of March of 2014, it had grown to 33 employees at 4 locations. Citizens State Bank (WI)'s savings rates are 4X the national average, and it has a B+ health rating.

Reviews (1)

1.95% Money Market Account

good for balances of 50k and more. The 1.90% rate is only for the first 90 days then drops to .9%. Must come in in person to open.


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 (WI) had $1.01 million in non-current loans and owned real-estate with $12.1 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank (WI) a Texas Ratio of 8.33% 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 (WI) decreased slightly from 11.34% as of March 31, 2013 to 8.33% as of March 31, 2014, resulting in a positive change of 26.53%.This indicates that the balance sheet and financial strength for Citizens State Bank (WI) has improved slightly in recent periods.

Deposit Growth


In the past year, Citizens State Bank (WI) has decreased its total deposits by -$1.08 million, resulting in -1.16% 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 (WI) has shown is 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 (WI) has $106.71 million in assets with $12.1 million in equity, resulting in a capitalization level of 11.34%, which is excellent.

Institution Statistics

FDIC Certificate #2467
Year Established1902
Primary RegulatorFDIC
Assets and Liabilities
Assets$106.71 million
Loans$69.77 million
Deposits$91.75 million
Equity Capital$10.58 million
Loan Loss Allowance$1.52 million
Unbacked Noncurrent Loans$412,000
Real Estate Owned$596,000
Historic Data - March 2013
Assets$103.47 million
Equity Capital$10.21 million
Loan Loss Allowance$1.41 million
Unbacked Noncurrent Loans$412,000
Real Estate Owned$653,000
Profit Margin - Quarterly
Return on Assets0.77%
Return on Equity7.95%
Interest Income$1.18 million

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Citizens State Bank (WI) Savings Account Rates

2.02%--Citizens Saver IRA Account
0.15%$50-Statement Savings Account
0.15%--Young Citizens Savings Account
0.15%--Christmas Club Savings Account

Citizens State Bank (WI) Money Market Rates

0.65%$50k-Indexed Money Market Account

Citizens State Bank (WI) Checking Account Rates

0.60%$50k-CSB Premium Checking Account

Citizens State Bank (WI) CD Rates

1.00%$100-60 Month CD
1.00%$100-84 Month CD
0.95%$100-48 Month CD
0.90%$100-36 Month CD
0.80%$100-30 Month CD
0.75%$100-24 Month CD
0.70%$100-18 Month CD
0.60%$100-12 Month CD
0.35%$100-182 Day CD
0.30%$100-91 Day CD

Citizens State Bank (WI) IRA Rates

1.00%$100-60 Month IRA
1.00%$100-84 Month IRA
0.95%$100-48 Month IRA
0.90%$100-36 Month IRA
0.80%$100-30 Month IRA
0.75%$100-24 Month IRA
0.70%$100-18 Month IRA
0.60%$100-12 Month IRA
0.35%$100-182 Day IRA
0.30%$100-91 Day IRA

Citizens State Bank (WI) Locations
Chippewa Falls Branch15036 Cty Hwy SChippewa Falls, WI 54729
County Trunk J Branch17153 County Trynk JChippewa Falls, WI 54729
Citizens State Bank304 North Main StreetCadott, WI 54727
Southridge Avenue Branch505 South Main StreetCadott, WI 54727