Bank · FDIC insured
Citizens State Bank
A $194.7M bank headquartered in Sheldon, IA, with 2 branches in Iowa. Best rates: CDs 4.06% and savings 0.25% APY.
Citizens State Bank Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#104 of 142 in IowaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens State Bank
- Headquarters
- 808 3rd Ave, Sheldon, IA 51201
- FDIC certificate
- 18356 ↗
Branches
2 branches in Iowa
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Iowa
2 branches
Sheldon area · 1
- Citizens State BankMain office808 3rd Ave, Sheldon, IA 51201Directions
Boyden area · 1
- Boyden Branch817 Main St, Boyden, IA 51234Directions
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 | 12.45% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.74% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio12.45%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.74%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ 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.