Citizens Savings Bank
Clarks Summit, Pennsylvania, Lackawanna County
$359M in total assets, the 2,245th largest of 4,309 US banks and 80th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 31184
- Established
- 1902
- Owned by
- No holding company
- Primary regulator
- OCC
- Website
- citizens-savings.com
At a glance
Compared with 56 banks headquartered in Pennsylvania 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 | $359M | 39% | $442M | |
| Loans | $299M | 55% | $276M | |
| Deposits | $304M | 39% | $375M | |
| Return on assets | 0.22% | 7% | 0.88% | |
| Net interest margin | 2.57% | 14% | 3.34% | |
| Efficiency ratio | 88.4% | 89% | 71.1% | |
| Equity to assets | 14.98% | 68% | 10.77% | |
| Loans to deposits | 98% | 82% | 79% |
Growth
Total assets grew -1.3% a year over the last 5 years and 0.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 1984 | Sayre Savings and Loan Association Sayre, PA | $36M |
| Jan 1984 | Colonial Savings Association Wrightsville, PA | n/a |
| Jan 1984 | Athens BL and Savings Association Athens, PA | n/a |
| May 1983 | Fairview Savings and Loan Association Easton, PA | n/a |
| Feb 1980 | Northeast Savings and Loan Association Honesdale, PA | n/a |
Where they operate
6 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lackawanna County, PA | $246M | 3.1% | 8 of 17 |
| Monroe County, PA | $34M | 0.9% | 13 of 14 |
| Wayne County, PA | $24M | 1.2% | 7 of 7 |
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 loss of 1 branch since 2016 (7 to 6, −14.3%). 0 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2022 | Closed Scranton | 0 | 1 | −1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 100% | 53% | |
| Construction and land | 0% | 3% | |
| Consumer | 0% | 3% | |
| Farmland | 0% | 3% | |
| Multifamily | 0% | 5% | |
| Commercial real estate | 0% | 24% | |
| Business (C&I) | 0% | 6% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 42% | |
| Time deposits | 43% | 40% | |
| Noninterest-bearing | 9% | 18% |
Brokered deposits are 0.0% of deposits (peers 2.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.27% | 0.63% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 0.34% | 0.90% |
| Leverage ratio | 15.12% | 11.47% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Lackawanna County, PA
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-savings-bank-clarks-summit-pa