Citizens State Bank
Royal Oak, MI · State member commercial bank
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.
Key figures
- Total assets
- $543.8M
- Total deposits
- $496.5M
- Branches
- 3
- Return on assets
- 1.80%
- Return on equity
- 21.90%
- Charter type
- State member commercial bank
- Established
- 1910
- FDIC cert #
- 8183
How the 69 breaks down
Capital ratio not reported.
Strong returns on its asset base.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at Citizens State Bank
Citizens State Bank is an FDIC-insured institution (Cert #8183). 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 →
3 branch locations
32500 Woodward Ave
Royal Oak, MI 48073
501 River Street
Ontonagon, MI 49953
31550 Northwestern Hwy
Farmington Hills, MI 48334
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