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Overview / Commentary
2000 South Byron Butler Parkway
Perry, FL 32348

Citizens State Bank (FL) is headquartered in Perry and is the 80th largest bank in the state of Florida. It is also the 2,344th largest bank in the nation. It was established in 1958 and as of December of 2017, it had grown to 48 employees at 4 locations. Citizens State Bank (FL)'s money market rates are 70% higher than the national average, and it has an A health rating.

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Very Secure & Lots Of Cool Features

Posted by: seth233 | May 2, 2016

This bank is very secure in many ways, and that is very important to me. When using the online banking system, you receive a code to your device as a second password to enter. If someone steals your credentials, they still can't access your account without you knowing since they won't have your phone. They use very good encryption certificates on the website. Anytime I perform certain transactions or talk to someone, they are very secure and always make sure I am who I say I am. Staff are always friendly. The bank also has all the neat things the big banks do, you can remotely deposit your check from your cell phone for instance and do all sorts of other things with transfers and so on.

Problems With Opening

Posted by: babs33458 | Oct 7, 2014

I attempted to open an account with this bank. Problems with their web site. Finally did the app and received an email that I would be contacted within 48 hrs to complete my application. I called and asked if there was a problem and was told I would need to send a copy of my driver's license and more work history was needed. I have been retired fro 20 years. It would take 3-5 d days to complete my app. My login was denied due to an invalid email but---they were sending me emails. Finally I was told I needed a code to validate my email ( this came by email) only there was no code in this message, A few minutes later a email with a code came ( to the invalid email) I decided that this bank was not for me. I might never get my money out, Folks I talked with were very nice but---

No Interest Paid When Closing Account

Posted by: garne2t | Oct 28, 2016

Interest is only paid quarterly and is not paid for the period of time between the end of the last quarter and the date you close your account. Of course, buried in the fine print. Shady business practice.

Great Rates & Service

Posted by: GaryD | Dec 22, 2011

Citizens State Bank provided very competitive rates for my interest bearing checking account as well as my business loan.  They provide great rates but their customer service really sets them apart from other banks.  I have never experienced such personal and knowledgeable service like Citizens State Bank provides.  Great choice for myself and I would definitely recommend to others.



Health Grade Components

FDIC Certificate #17880
Year Established1958
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD13.23%
Annual Interest Income$14.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$277.9MM$266.7MM
LoansQ4 2017vs Q4 2016$208.0MM$201.8MM
DepositsQ4 2017vs Q4 2016$242.4MM$234.7MM
Equity CapitalQ4 2017vs Q4 2016$27.2MM$23.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$2.3MM$2.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$908.00K$1.4MM
Real Estate OwnedQ4 2017vs Q4 2016$366.00K$243.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens State Bank (FL) Savings Account Rates

0.50%*$50k*-Interest Savings
OTHER TIERS: 0.10% $50 - $10k | 0.25% $10k - $50k
0.50%*$50k*-Business Savings
OTHER TIERS: 0.10% $100 - $10k | 0.25% $10k - $50k

Citizens State Bank (FL) Money Market Rates

0.75%*$50k*-Money Market
OTHER TIERS: 0.25% $1k - $10k | 0.50% $10k - $50k
0.65%*$100k*-Business Money Market
OTHER TIERS: 0.25% $1k - $50k | 0.50% $50k - $100k
0.25%*$100k*-Institutional Money Market
OTHER TIERS: 0.10% $2,500 - $100k
0.25%*$100k*-Government Money Market
OTHER TIERS: 0.10% $2,500 - $100k

Citizens State Bank (FL) Checking Account Rates

0.15%*$5k*-Interest Checking
OTHER TIERS: 0.05% Up to $1k | 0.10% $1k - $5k

Citizens State Bank (FL) CD Rates

2.33%$1k-60 Month CD
2.33%$1k-Business 60 Month CD
2.22%$1k-48 Month CD
2.22%$1k-Business 48 Month CD
2.12%$1k-36 Month CD
2.12%$1k-Business 36 Month CD
2.02%$1k-24 Month CD
2.02%$1k-Business 24 Month CD
1.66%$1k-18 Month CD
1.66%$1k-Business 18 Month CD
1.26%$1k-12 Month CD
1.26%$1k-Business 12 Month CD
0.90%$1k-6 Month CD
0.90%$1k-Business 6 Month CD

Citizens State Bank (FL) Locations
Citizens State Bank2000 South Byron Butler ParkwayPerry, FL 32348
Gainesville Branch6450 S.W. Archer RoadGainesville, FL 32608
Steinhatchee Branch913 First Avenue, SoutheastSteinhatchee, FL 32359
Northwest Gainesville Branch4620 Northwest 39th AvenueGainesville, FL 32606