Bank · FDIC insured
Citizens Savings Bank
A $151.1M bank headquartered in Spillville, IA, with 3 branches in Iowa. Best rates: CDs 4.15% and savings 1.00% APY.
Citizens Savings Bank Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#43 of 142 in IowaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Savings Bank
Citizens Savings Bank started as a private institution in 1908 under the name Citizens Bank and incorporated under its current name in 1918.
The bank expanded by opening branches in Fort Atkinson in 1946 and Protivin in 2014, while also operating in Spillville, Iowa.
- Headquarters
- 101 Church St, Spillville, IA 52168
- FDIC certificate
- 12128 ↗
Branches
3 branches in Iowa
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Iowa
3 branches
Spillville area · 1
- Citizens Savings BankMain office101 Church St, Spillville, IA 52168Directions
Fort Atkinson area · 1
- Fort Atkinson Branch104 4th St Nw, Fort Atkinson, IA 52144Directions
Protivin area · 1
- Protivin Branch109 N Main St, Protivin, IA 52163Directions
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 | 15.54% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.05% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.67% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $53 | $81 | — |
- CapitalLeverage ratio15.54%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.05%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.67%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$53Peers’ 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.