Citizens State Bank is a bank based in Royal Oak, Michigan, established in 1910, with $544 million in total assets across 3 branches. By Trust Grade it ranks 54th of 73 banks we track in Michigan. Its capital ratio of 8.3% trails most similarly sized banks (18th percentile), versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 1.80% 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 Michigan peers
How we graded Citizens State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.3% capital ratio)
- Strongly profitable (ROA 1.80%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
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 (3)
- 32500 Woodward Ave, Royal Oak, MI 48073
- 501 River Street, Ontonagon, MI 49953
- 31550 Northwestern Hwy, Farmington Hills, MI 48334
Are deposits at Citizens State Bank insured?
Yes. Citizens State Bank is an FDIC-insured bank (FDIC certificate #8183). 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 A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Well-capitalized (8.3% capital ratio); Strongly profitable (ROA 1.80%).
Is Citizens State Bank FDIC-insured?
Yes. Citizens State Bank is a FDIC-insured bank (FDIC certificate #8183). 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 $544 million in total assets, ranking 54th of 73 banks we track in Michigan. It operates 3 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.
