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Overview / Commentary
609 Pacific Avenue
Waverly, MN 55390

Citizens State Bank of Waverly, Inc. is headquartered in Waverly and is the 219th largest bank in the state of Minnesota. It is also the 5,132nd largest bank in the nation. It was established in 1907 and as of June of 2016, it had grown to 16 employees at 2 locations. Citizens State Bank of Waverly, Inc. 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 State Bank of Waverly, Inc. has a relatively low asset base.

Health Grade Components

FDIC Certificate #9337
Year Established1907
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.44%
Return on Equity - YTD10.63%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$64.2MM$67.3MM
LoansQ2 2016vs Q2 2015$44.2MM$46.4MM
DepositsQ2 2016vs Q2 2015$53.4MM$54.2MM
Equity CapitalQ2 2016vs Q2 2015$9.0MM$9.0MM
Loan Loss AllowanceQ2 2016vs Q2 2015$438.00K$384.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$399.00K$118.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Citizens State Bank of Waverly, Inc. Checking Account Rates

1.00%*-$25kMy Checking
OTHER TIERS: 0.10% $25k+

Citizens State Bank of Waverly, Inc. Locations
Detached Facility145 Nelson BlvdMontrose, MN 55363
Citizens State Bank Of Waverly, Inc.609 Pacific AvenueWaverly, MN 55390