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Citizens State Bank (IA)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
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Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.citizensstateonline.com
319-465-5921
117 West First Street
Monticello, IA 52310

Citizens State Bank (IA) is headquartered in MONTICELLO and is the 54th largest bank in the state of Iowa. It is also the 1,661st largest bank in the nation. It was established in 1931 and as of March of 2025, it had grown to 69 employees at 8 locations. Citizens State Bank (IA) has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #9047
Year Established1931
Employees69
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD12.68%
Annual Interest Income$6.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$559.3MM$511.4MM
LoansQ1 2025vs Q1 2024$293.3MM$255.3MM
DepositsQ1 2025vs Q1 2024$515.3MM$466.6MM
Equity CapitalQ1 2025vs Q1 2024$25.2MM$21.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.1MM$2.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$58K$68K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Sorry, we do not have rate data for Citizens State Bank (IA).

Locations


Citizens State Bank (IA) Locations
Winthrop Branch101 Madison StreetWinthrop, IA 50682
Union Strawberry Point Branch102 East MissionStrawberry Point, IA 52076
Citizens State Bank117 W 1st StMonticello, IA 52310
Peoples Manchester Branch1218 West Main StreetManchester, IA 52057
New Vienna Savings Bank Branch7352 Columbus StreetNew Vienna, IA 52065
Hopkinton BranchFirst StreetHopkinton, IA 52237
Ryan Branch204 Main StreetRyan, IA 52330

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