Bank · FDIC insured
Citizens State Bank
A $237.6M bank headquartered in Cadott, WI, with 6 branches in Wisconsin. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs834.00%for 16–30 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens State Bank
Chartered in 1902 in Cadott, Wisconsin, Citizens State Bank was founded by local businessmen, farmers, and workers as a locally owned independent community bank.
The bank expanded by opening branches in Chippewa Falls, Cornell, and Stanley, and in 2023 acquired and merged Community Financial Bank, adding locations in Prentice and Stratford.
- Headquarters
- 304 N Main St, Cadott, WI 54727
- FDIC certificate
- 2467 ↗
Branches
6 branches in Wisconsin
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Wisconsin
6 branches
Eau Claire area · 4
- Citizens State BankMain office304 N Main St, Cadott, WI 54727Directions
- Southridge Avenue Branch505 S Main St, Cadott, WI 54727Directions
- Lake Wissota Branch17153 County Highway J, Chippewa Falls, WI 54729Directions
- Cornell Branch221 Bridge St, Cornell, WI 54732Directions
Prentice area · 1
- Prentice Branch450 Center St, Prentice, WI 54556Directions
Wausau area · 1
- Stratford Branch212001 State Highway 97, Stratford, WI 54484Directions
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 | 8.77% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.99% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.21% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $102 | $81 | — |
- CapitalLeverage ratio8.77%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.99%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.21%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$102Peers’ 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 State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.