Citizens State Bank of La Crosse
La Crosse, Wisconsin, La Crosse County
$649M in total assets, the 1,492nd largest of 4,309 US banks and 52nd of 155 headquartered in Wisconsin.
- FDIC certificate
- 1513
- Established
- 1907
- Owned by
- Clayton Bankshares Inc
- Primary regulator
- FDIC
- Website
- www.citizensstatebank.us
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 | $649M | 83% | $344M | |
| Loans | $546M | 89% | $241M | |
| Deposits | $513M | 82% | $287M | |
| Return on assets | 2.85% | 96% | 1.24% | |
| Net interest margin | 4.13% | 72% | 3.85% | |
| Efficiency ratio | 39.4% | 4% | 60.7% | |
| Equity to assets | 13.13% | 81% | 10.38% | |
| Loans to deposits | 106% | 88% | 86% |
Growth
Total assets grew 9.7% a year over the last 5 years and 12.0% a year over 10 years, without acquisitions.
Where they operate
4 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| La Crosse County, WI | $423M | 11.5% | 3 of 17 |
| Polk County, WI | $62M | 6.5% | 6 of 11 |
| Eau Claire County, WI | $29M | 1.2% | 14 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 4 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 28% | |
| Multifamily | 25% | 8% | |
| 1-4 family residential | 17% | 32% | |
| Business (C&I) | 11% | 10% | |
| Construction and land | 8% | 7% | |
| Farmland | 2% | 8% | |
| Consumer | 1% | 2% | |
| Agricultural | 0% | 3% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 48% | |
| Time deposits | 37% | 34% | |
| Noninterest-bearing | 20% | 19% |
Brokered deposits are 20.5% of deposits (peers 5.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.06% | 0.22% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.36% | 1.14% |
| Leverage ratio | 13.36% | 10.93% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in La Crosse 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-la-crosse-wi