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CITIZENS STATE BANK OF LOYAL

LOYAL, WI · Supervised by FDIC

Est. 1909FDIC #6,186RSSD: FDIC-6186
Part ofCITIZENS BANCSHARES LOYAL INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

400 N Main St, LOYAL, WI

County

Clark County

Established

December 15, 1909

Total Assets

$307M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$307M

Total Deposits

$243M

Net Loans

$174M

Net Income

$899K

ROA

1.17%

ROE

11.68%

Risk-Based Capital

18.40%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate22.22%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$255M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247268.06%22.22%
20235977.97%6.78%
20228080%8.75%
202117579.43%6.29%
202023082.61%9.57%
201911975.63%16.81%
20189478.72%11.70%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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