Bank · FDIC insured
Citizens Savings Bank
A $359M bank headquartered in Clarks Summit, PA, with 6 branches in Pennsylvania. Best rates: CDs 4.07% and savings 0.05% APY.
Citizens Savings Bank Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#20 of 30 in Scranton, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Savings Bank
Citizens Savings Bank serves Northeast PA.
- Headquarters
- 500 S State St, Clarks Summit, PA 18411
- FDIC certificate
- 31184 ↗
Branches
6 branches in Pennsylvania
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Pennsylvania
6 branches
Scranton area · 4
- Citizens Savings BankMain office500 S State St, Clarks Summit, PA 18411Directions
- Southside Branch702 Cedar Ave, Scranton, PA 18505Directions
- West Side Branch156 S Main Ave, Scranton, PA 18504Directions
- Taylor Branch137 S Main St, Taylor, PA 18517Directions
Honesdale area · 1
- Honesdale Branch335 Willow Ave, Honesdale, PA 18431Directions
East Stroudsburg area · 1
- Mount Pocono Branch45 Pocono Blvd, Mount Pocono, PA 18344Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.12% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.27% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.24% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $98 | $81 | — |
- CapitalLeverage ratio15.12%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.27%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.24%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$98Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.