Citizens State Bank
Wisner, Nebraska, Cuming County
$653M in total assets, the 1,478th largest of 4,309 US banks and 29th of 139 headquartered in Nebraska.
- FDIC certificate
- 5495
- Established
- 1888
- Owned by
- Citizens National Corp
- Primary regulator
- FED
- Website
- www.citstatebank.com
At a glance
Compared with 80 banks headquartered in Nebraska with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $653M | 92% | $293M | |
| Loans | $507M | 94% | $217M | |
| Deposits | $592M | 96% | $241M | |
| Return on assets | 1.23% | 36% | 1.33% | |
| Net interest margin | 3.47% | 25% | 3.95% | |
| Efficiency ratio | 66.0% | 82% | 57.7% | |
| Equity to assets | 8.84% | 10% | 11.11% | |
| Loans to deposits | 86% | 44% | 87% |
Growth
Total assets grew 8.0% a year over the last 5 years and 7.2% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2022 | Bank of Newman Grove Newman Grove, NE | $36M |
| Oct 2019 | Cass County Bank, Inc. Plattsmouth, NE, an affiliate under the same holding company | $73M |
| May 2011 | The First National Bank of Friend Friend, NE | $39M |
| Oct 2010 | Citizens National Bank Arlington, KS, an affiliate under the same holding company | $59M |
| Oct 2008 | Spalding City Bank Spalding, NE, an affiliate under the same holding company | $34M |
| Aug 2006 | The First National Bank of Belden Belden, NE, an affiliate under the same holding company | $31M |
| Aug 2006 | Bank of Leigh Leigh, NE, an affiliate under the same holding company | $22M |
Where they operate
17 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cuming County, NE | $168M | 19.0% | 3 of 8 |
| Cass County, NE | $81M | 12.7% | 3 of 10 |
| Sarpy County, NE | $69M | 2.0% | 11 of 21 |
| Saline County, NE | $66M | 10.8% | 4 of 9 |
| Colfax County, NE | $61M | 13.8% | 4 of 5 |
| Cedar County, NE | $61M | 12.4% | 3 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (10 to 17, +70.0%). 9 opened, 3 acquired, 5 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2018 | Opened Papillion | 1 | 0 | +1 | 11 |
| 2019 | Acquired Cass County Bank, Inc.Sold 2 branches to Heartland Tri-State Bank, opened 6 in Nebraska, closed Belden | 8 | 3 | +5 | 16 |
| 2021 | Opened PlattsmouthClosed Creston | 1 | 2 | −1 | 15 |
| 2022 | Acquired Bank of Newman GroveOpened Newman Grove | 2 | 0 | +2 | 17 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 37% | 21% | |
| Agricultural | 33% | 23% | |
| 1-4 family residential | 10% | 16% | |
| Commercial real estate | 8% | 17% | |
| Business (C&I) | 6% | 11% | |
| Construction and land | 2% | 7% | |
| Multifamily | 1% | 3% | |
| Consumer | 1% | 2% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 49% | 36% | |
| Other interest-bearing | 42% | 47% | |
| Noninterest-bearing | 9% | 17% |
Brokered deposits are 9.6% of deposits (peers 4.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.20% | 0.21% |
| Net charge-offs, annualized | 0.01% | 0.00% |
| Reserves to loans | 1.44% | 1.27% |
| Leverage ratio | 10.07% | 11.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Cuming County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/citizens-state-bank-wisner-ne