Citizens State Bank
Royal Oak, MI · State member commercial bank
Sonar Score
Watch
out of 100 · from public FDIC data
Reported June 30, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $581M
- Total deposits
- $530.5M
- Branches
- 3
- Return on assets
- 1.83%
- Return on equity
- 22.25%
- Charter type
- State member commercial bank
- Established
- 1910
- FDIC cert #
- 8183
How the 62 breaks down
Adequately capitalized.
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
Sponsored · we may earn a commission
Earning enough on your savings?
Many big-bank savings accounts pay near 0%. Compare today's top high-yield savings and CD rates from FDIC-insured banks before you decide where to keep your cash.
Compare savings ratesOther banks in Michigan
Northpointe Bank
Grand Rapids, MI
First National Bank of America
East Lansing, MI
Mercantile Bank
Grand Rapids, MI
Independent Bank
Grand Rapids, MI
ChoiceOne Bank
Sparta, MI
Macatawa Bank, National Association
Holland, MI