Citizens Savings Bank (12128)

Overview / Commentary

www.bankingwithcsb.com

563-562-3674

101 Church St
Spillville, IA 52168

Citizens Savings Bank (12128) is headquartered in Spillville and is the 184^th largest bank in the state of Iowa. It is also the 3,906^th largest bank in the nation. It was established in 1908 and as of March of 2019, it had grown to 15 employees at 3 locations. Citizens Savings Bank (12128)'s CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	12128
Year Established	1908
Employees	15
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.58%
Return on Equity - YTD	10.19%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$112.4MM$109.8MM
Loans	Q1 2019vs Q1 2018	$71.6MM$63.9MM
Deposits	Q1 2019vs Q1 2018	$76.8MM$78.2MM
Equity Capital	Q1 2019vs Q1 2018	$18.0MM$16.5MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$913.00K$849.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$149.00K$161.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Savings Bank (12128) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.87%	-	-	IRA Savings
1.00%^*	$100k^*	-	Hi-Fi Savings
OTHER TIERS: 0.45% → Up to $2.5k \| 0.50% → $2.5k - $15k \| 0.60% → $15k - $25k \| 0.65% → $25k - $50k \| 0.85% → $50k - $100k
1.00%^*	$100k^*	-	Business Hi-Fi Savings
OTHER TIERS: 0.45% → Up to $2.5k \| 0.50% → $2.5k - $15k \| 0.60% → $15k - $25k \| 0.65% → $25k - $50k \| 0.85% → $50k - $100k
0.45%	-	-	Savings
0.45%	-	-	Business Savings

Citizens Savings Bank (12128) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	NOW
0.25%	-	-	Business NOW

Citizens Savings Bank (12128) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.62%	$1k	-	48 Month Certificate
2.62%	$1k	-	Business 48 Month Certificate
2.52%	$1k	-	36 Month Certificate
2.52%	$1k	-	Business 36 Month Certificate
2.31%^*	$25k^*	-	30 Month Certificate
OTHER TIERS: 2.21% → $1k - $10k \| 2.26% → $10k - $25k
2.31%^*	$25k^*	-	Business 30 Month Certificate
OTHER TIERS: 2.21% → $1k - $10k \| 2.26% → $10k - $25k
2.11%	$1k	-	24 Month Certificate
2.11%	$1k	-	Business 24 Month Certificate
2.01%	$1k	-	18 Month Certificate
2.01%	$1k	-	Business 18 Month Certificate
1.91%^*	$25k^*	-	12 Month Certificate
OTHER TIERS: 1.81% → $1k - $10k \| 1.86% → $10k - $25k
1.91%^*	$25k^*	-	Business 12 Month Certificate
OTHER TIERS: 1.81% → $1k - $10k \| 1.86% → $10k - $25k
1.70%	$1k	-	9 Month Certificate
1.70%	$1k	-	Business 9 Month Certificate
1.61%^*	$25k^*	-	182 Day Certificate
OTHER TIERS: 1.51% → $1k - $10k \| 1.56% → $10k - $25k
1.61%^*	$25k^*	-	Business 182 Day Certificate
OTHER TIERS: 1.51% → $1k - $10k \| 1.56% → $10k - $25k

Locations

Citizens Savings Bank (12128) Locations
Citizens Savings Bank	101 Church St	Spillville, IA 52168
Fort Atkinson Branch	104 4th St. NW, Po Box 67	Fort Atkinson, IA 52144
Protivin Branch	109 N Main St	Protivin, IA 52163

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