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BankSonar

Citizens State Bank

Sheldon, IA · State, non-member commercial bank

66

Sonar Score

Stable

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$197.1M
Total deposits
$172.6M
Branches
2
Return on assets
1.74%
Return on equity
14.68%
Charter type
State, non-member commercial bank
Established
1961
FDIC cert #
18356

How the 66 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Strong returns on its asset base.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at Citizens State Bank

Citizens State Bank is an FDIC-insured institution (Cert #18356). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

2 branch locations

808 3rd Ave

Sheldon, IA 51201

817 Main St

Boyden, IA 51234

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