Citizens State Bank Of Roseau vs Security State Bank Of Marine
Comparing a Bank in Roseau, MN with a Bank in Marine On St. Croix, MN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Citizens State Bank Of Roseau ↗ Bank · Roseau, MN · Est. 1905 | Security State Bank Of Marine ↗ Bank · Marine On St. Croix, MN · Est. 1919 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Roseau, MN | Marine On St. Croix, MN |
| Total assets | $286.0M | $235.4M |
| Capital ratio | 11.9% | 10.4% |
| Return on assets | 1.5% | 2.3% |
| Deposits | $250.3M | $209.7M |
| Branches | 1 | 4 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 224 | #3 of 224 |
| Established | 1905 | 1919 |
Citizens State Bank Of Roseau
- Assets: $286.0M
- Deposits: $250.3M
- Capital ratio: 11.9%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #4 of 224
Security State Bank Of Marine
- Assets: $235.4M
- Deposits: $209.7M
- Capital ratio: 10.4%
- Return on assets: 2.3%
- CFPB complaints: 0
- State rank: #3 of 224
Are both institutions federally insured?
Yes. Citizens State Bank Of Roseau is FDIC-insured and Security State Bank Of Marine is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Citizens State Bank Of Roseau or Security State Bank Of Marine?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Citizens State Bank Of Roseau scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Citizens State Bank Of Roseau safe?
Yes — Citizens State Bank Of Roseau is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Security State Bank Of Marine safe?
Yes — Security State Bank Of Marine is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Citizens State Bank Of Roseau vs Security State Bank Of Marine?
Citizens State Bank Of Roseau has a capital ratio of 11.9%, placing it in the top 28% of $100M–1B peers. Security State Bank Of Marine's ratio is 10.4%, placing it in the top 46% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Citizens State Bank Of Roseau have compared to Security State Bank Of Marine?
The CFPB database shows 0 complaints against Citizens State Bank Of Roseau, and 0 complaints against Security State Bank Of Marine. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Citizens State Bank Of Roseau with other Banks in Minnesota
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
