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BankSonar

Citizens State Bank

Monticello, IA · State, non-member commercial bank

62

Sonar Score

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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
$582.9M
Total deposits
$530.4M
Branches
8
Return on assets
1.02%
Return on equity
16.94%
Charter type
State, non-member commercial bank
Established
1931
FDIC cert #
9047

How the 62 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 #9047). 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 →

8 branch locations

1218 W Main St

Manchester, IA 52057

102 E Mission St

Strawberry Point, IA 52076

204 Main St

Ryan, IA 52330

First Street

Hopkinton, IA 52237

101 W Madison St

Winthrop, IA 50682

117 W 1st St

Monticello, IA 52310

7352 Columbus St

New Vienna, IA 52065

607 6th St S

Springville, IA 52336

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