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 Citizens State Bank
Citizens State Bank
| RSSD ID 356752 | CERTIFICATE 8183 | ABA NUMBER 72414501 |
| 32500 Woodward Ave |
Quarter Ended : |
2025-12-31 |
| Royal Oak, Michigan, 48073 |
Updated : |
2026-01-28 |
| www.micsb.com |
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| Institution Profile |
| Year Opened : |
1910 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
3 |
Number of Employees : |
52 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 526,613 |
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Total Interest Income | 26,010 |
| Total Liabilities | 483,589 |
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Total NonInterest Income | 3,050 |
| Total Bank Equity Capital | 43,024 |
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Total Interest Expense | 8,288 |
| Total Deposits | 481,393 |
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Total NonInterest Expense | 10,148 |
| Net Loans & Leases | 377,322 |
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Net Income | 5,817 |
| Loan Loss Allowance | 4,455 |
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Net Charge Offs | 479 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 362,774 |
| Total assets for the leverage ratio | 493,379 |
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Loans secured by real estate: | 324,901 |
| Tier 1 Leverage Ratio | 9.01 |
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Commercial and industrial loans | 33,924 |
| Off Balance Sheet Exposures (%) | 8.09 |
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Loans to individuals - Credit Cards | 29 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 3,920 |
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:· Citizens State Bank
