Citizens Savings Bank (PA)

Overview / Commentary
500 South State Street
Clarks Summit, PA 18411

Citizens Savings Bank (PA) is headquartered in CLARKS SUMMIT and is the 91st largest bank in the state of Pennsylvania. It is also the 2,239th largest bank in the nation. It was established in 1902 and as of March of 2024, it had grown to 68 employees at 6 locations. Citizens Savings Bank (PA)'s CD rates are 5X 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 Savings Bank (PA) has a negative return on equity.

Health Grade Components

FDIC Certificate #31184
Year Established1902
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-3.3%
Return on Equity - YTD-23.66%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$352MM$387.9MM
LoansQ1 2024vs Q1 2023$294.5MM$288.5MM
DepositsQ1 2024vs Q1 2023$300.6MM$335.9MM
Equity CapitalQ1 2024vs Q1 2023$50.1MM$50.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.1MM$1.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$545K$859K
Real Estate OwnedQ1 2024vs Q1 2023$0$59K
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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 (PA) Savings Account Rates

0.20%*$0$50kFree Kasasa Saver
OTHER TIERS: 0.05% $50k+
0.15%*$25k*-Premium Passbook Savings
OTHER TIERS: 0.05% $0 - $15k | 0.10% $15k - $25k
0.05%$0-Regular Passbook Savings
0.05%$0-Club Account
0.05%$0-Statement Savings

Citizens Savings Bank (PA) Money Market Rates

1.50%*$100k*-Platinum Money Market
OTHER TIERS: 0.05% $0+ | 0.25% $10k - $50k | 0.50% $50k - $100k
0.30%*$100k*-Premier Money Market
OTHER TIERS: 0.05% $0 - $50k | 0.10% $50k - $100k
0.15%*$50k*-Premium Money Market Account
OTHER TIERS: 0.01% $0 - $25k | 0.05% $25k - $50k

Citizens Savings Bank (PA) Checking Account Rates

1.20%*$0$20kFree Kasasa Cash Checking
OTHER TIERS: 0.05% $20k+
0.05%$0-Advantage Checking

Citizens Savings Bank (PA) CD Rates

5.00%$1k-4 Month CD Special
5.00%$1k-5 Month CD Special
5.00%$1k-6 Month CD Special
4.75%$1k-12 Month CD Special
4.07%$1k-12 Month CD
4.06%$1k-182 Day CD
4.06%$1k-4 Month CD
4.06%$1k-5 Month CD
2.10%$1k-9 Month CD
1.25%$1k-11 Month CD
0.75%$1k-72 Month CD
0.50%$1k-15 Month CD
0.50%$1k-60 Month CD
0.40%$1k-18 Month CD
0.40%$1k-48 Month CD
0.40%$1k-14 Month CD
0.35%$1k-13 Month CD
0.35%$5k-30 Month CD
0.35%$1k-36 Month CD
0.30%$1k-24 Month CD
0.30%$1k-25 Month CD
0.25%$1k-20 Month CD
0.20%$1k-10 Month CD
0.15%$1k-7 Month CD
0.15%$1k-8 Month CD
0.05%$1k-91 Day CD

Citizens Savings Bank (PA) IRA Rates

4.75%$100-12 Month IRA
4.75%$100-12 Month Education IRA
4.75%$100-12 Month Roth IRA
3.50%$100-15 Month IRA
3.50%$100-15 Month Roth IRA
0.75%$1k-72 Month IRA
0.75%$1k-72 Month Education IRA
0.75%$1k-72 Month Roth IRA
0.60%$1k-13 Month IRA
0.60%$100-14 Month IRA
0.60%$100-14 Month Education IRA
0.60%$100-14 Month Roth IRA
0.50%$100-18 Month IRA
0.50%$1k-48 Month IRA
0.50%$100-18 Month Education IRA
0.50%$1k-48 Month Education IRA
0.50%$100-18 Month Roth IRA
0.50%$1k-48 Month Roth IRA
0.50%$100-11 Month Education IRA
0.50%$100-11 Month IRA
0.50%$100-11 Month Roth IRA
0.50%$1k-13 Month Roth IRA
0.35%$1k-30 Month Roth IRA
0.35%$1k-30 Month IRA
0.35%$1k-30 Month Education IRA
0.25%$1k-20 Month IRA
0.25%$1k-20 Month Education IRA
0.25%$1k-20 Month Roth IRA

Citizens Savings Bank (PA) Locations
Taylor Branch137 South Main StTaylor, PA 18517
West Side Branch156 South Main AvenueScranton, PA 18504
Honesdale Branch335 Willow AveHonesdale, PA 18431
Mount Pocono Branch45 Pocono BlvdMount Pocono, PA 18344
Citizens Savings Bank500 S State StClarks Summit, PA 18411
Southside Branch702 Cedar AveScranton, PA 18505
Center City BranchLackawanna and Wyoming AvenuesScranton, PA 18503

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