Citizens Bank (IA)

Overview / Commentary
500 West Main Street
Sac City, IA 50583

Citizens Bank (IA) is headquartered in Sac City and is the 234th largest bank in the state of Iowa. It is also the 4,737th largest bank in the nation. It was established in 1929 and as of September of 2019, it had grown to 13 employees at 2 locations. Citizens Bank (IA)'s CD rates are 90% higher than the national average, and it has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens Bank (IA) has a relatively low asset base.

Health Grade Components

FDIC Certificate #8758
Year Established1929
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD14.68%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$55.1MM$53.0MM
LoansQ3 2019vs Q3 2018$28.0MM$25.6MM
DepositsQ3 2019vs Q3 2018$47.0MM$45.9MM
Equity CapitalQ3 2019vs Q3 2018$4.7MM$3.9MM
Loan Loss AllowanceQ3 2019vs Q3 2018$253.00K$239.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$314.00K$99.00K
Real Estate OwnedQ3 2019vs Q3 2018$115.00K$115.00K
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Citizens Bank (IA) Savings Account Rates

0.25%--Variable Savings

Citizens Bank (IA) Checking Account Rates

0.15%--Checking Plus Interest NOW Account

Citizens Bank (IA) CD Rates

2.37%$500-60 Month CD
2.22%$500-48 Month CD
2.02%$500-36 Month CD
1.86%$100-24 Month CD
1.71%$500-12 Month CD
1.21%$500-182 Day CD
0.76%$500-7/31 Day Multiflex CD

Citizens Bank (IA) IRA Rates

1.36%$100-3 Month Keogh CD
1.36%$100-3 Month IRA CD

Citizens Bank (IA) Locations
Citizens Bank500 Main StreetSac City, IA 50583
Parking Lot BranchN 6th Street & Williams StreetSac City, IA 50583

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