Bank · FDIC insured
Citizens State Bank of Loyal
A $311.5M bank headquartered in Loyal, WI, with 5 branches in Wisconsin. Best rates: CDs 4.15% and savings 0.10% APY.
Citizens State Bank of Loyal Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#16 of 23 in Wausau, WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens State Bank of Loyal
Founded in 1909, Citizens State Bank of Loyal is an independently owned community bank serving communities and rural areas in Central Wisconsin.
The bank has office locations in Loyal, Granton, Neillsville, Spencer, and Marshfield, and specializes in financing the agricultural industry.
- Headquarters
- 400 N Main St, Loyal, WI 54446
- FDIC certificate
- 6186 ↗
Branches
5 branches in Wisconsin
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Wisconsin
5 branches
Wausau area · 2
- Marshfield Branch103 W Mcmillan St, Marshfield, WI 54449Directions
- Spencer Branch302 S Pacific St, Spencer, WI 54479Directions
Loyal area · 1
- Citizens State Bank of LoyalMain office400 N Main St, Loyal, WI 54446Directions
Granton area · 1
- Granton Branch110 Maple St, Granton, WI 54436Directions
Neillsville area · 1
- Neillsville Branch2 Boon Blvd, Neillsville, WI 54456Directions
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 | 11.48% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.16% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $73 | $81 | — |
- CapitalLeverage ratio11.48%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.16%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$73Peers’ 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 of Loyal are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.