Citizens State Bank
Hudson, Wisconsin, St. Croix County
$488M in total assets, the 1,848th largest of 4,309 US banks and 69th of 155 headquartered in Wisconsin.
- FDIC certificate
- 6194
- Established
- 1904
- Owned by
- Citizens Bancshares Woodville
- Primary regulator
- FDIC
- Website
- www.csbnet.net
At a glance
Compared with 109 banks headquartered in Wisconsin 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 | $488M | 67% | $344M | |
| Loans | $401M | 79% | $241M | |
| Deposits | $411M | 70% | $287M | |
| Return on assets | 1.19% | 43% | 1.28% | |
| Net interest margin | 3.80% | 49% | 3.86% | |
| Efficiency ratio | 58.1% | 38% | 60.7% | |
| Equity to assets | 9.65% | 38% | 10.40% | |
| Loans to deposits | 98% | 74% | 86% |
Growth
Total assets grew 10.2% a year over the last 5 years and 11.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 1998 | Bank St. Croix Roberts, WI, an affiliate under the same holding company | $14M |
| Sep 1993 | First State Bank Elmwood, WI, an affiliate under the same holding company | $9M |
Where they operate
5 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| St. Croix County, WI | $327M | 15.8% | 3 of 13 |
| Dunn County, WI | $46M | 8.7% | 5 of 7 |
| Pierce County, WI | $37M | 4.7% | 8 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 loss of 1 branch since 2016 (6 to 5, −16.7%). 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 | 6 | |||
| 2016 | Closed Menomonie | 0 | 1 | −1 | 5 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 56% | 32% | |
| Commercial real estate | 23% | 29% | |
| Multifamily | 7% | 8% | |
| Construction and land | 5% | 7% | |
| Business (C&I) | 5% | 10% | |
| Farmland | 2% | 8% | |
| Consumer | 1% | 2% | |
| Agricultural | 0% | 3% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 48% | |
| Time deposits | 34% | 34% | |
| Noninterest-bearing | 12% | 19% |
Brokered deposits are 3.5% of deposits (peers 5.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.43% | 0.22% |
| Net charge-offs, annualized | 0.02% | 0.00% |
| Reserves to loans | 1.32% | 1.14% |
| Leverage ratio | 10.02% | 10.95% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in St. Croix County, WI
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-hudson-wi