Citizens State Bank is a bank based in Monticello, Iowa, established in 1931, with $583 million in total assets across 8 branches. By Trust Grade it ranks 212th of 226 banks we track in Iowa. Its capital ratio of 6.1% trails most similarly sized banks (3th percentile), versus a Iowa median of 10.2%. It was profitable over the most recent period, with a 1.02% return on assets. No consumer complaints against Citizens State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens State Bank compares to Iowa peers
How we graded Citizens State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (6.1% capital ratio)
- Strongly profitable (ROA 1.02%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (8)
- 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
Are deposits at Citizens State Bank insured?
Yes. Citizens State Bank is an FDIC-insured bank (FDIC certificate #9047). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens State Bank: frequently asked questions
Is Citizens State Bank a good bank?
Citizens State Bank earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Well-capitalized (6.1% capital ratio); Strongly profitable (ROA 1.02%).
Is Citizens State Bank FDIC-insured?
Yes. Citizens State Bank is a FDIC-insured bank (FDIC certificate #9047). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens State Bank?
Citizens State Bank holds $583 million in total assets, ranking 212th of 226 banks we track in Iowa. It operates 8 branches.
Does Citizens State Bank have CFPB complaints?
No CFPB complaints against Citizens State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
