Citizens State Bank of Loyal
Loyal, WI · Owner: Citizens Bancshares Loyal Inc
$312M
total assets, June 30, 2026
$312M
total assets, June 30, 2026
Citizens State Bank of Loyal is a state nonmember bank based in Loyal, WI, owned by Citizens Bancshares Loyal Inc. As of June 30, 2026 it held $311.5 million in assets and $250.3 million in deposits; assets were down 1.6% from a year before. It has 5 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$312M
-1.6% in a year · +1.4% in a quarter
Deposits
$250M
-1.8% in a year · +3.1% in a quarter
Loans
$182M
+6.2% in a year · +3.6% in a quarter
Profit so far
$1.8M
Jan 1 to Jun 30, 2026 · +30.4% in a year
Capital ratio
11.47%
+0.65 pts in a year
Return on assets
1.16%
+0.27 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 400 N Main St, Loyal, WI, 54446
- County
- Clark
- Holding company
- Citizens Bancshares Loyal Inc
- Established
- Dec 15, 1909
- Employees
- 41
- Branches
- 5
- Website
- www.csbloyal.com
- Id
- b6186
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
5 offices as of June 30, 2026, holding $250.3 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Wisconsin | 5 | $250M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Neillsville Branch | Neillsville, WI | $85.3M |
| Citizens State Bank Of Loyal (main office) | Loyal, WI | $79.7M |
| Granton Branch | Granton, WI | $41.0M |
| Marshfield Branch | Marshfield, WI | $27.0M |
| Spencer Branch | Spencer, WI | $17.3M |
Related pages
Questions and answers
How big is Citizens State Bank of Loyal?
$311.5 million in total assets and $250.3 million in deposits as of June 30, 2026, with assets down 1.6% from a year before. Its loans were $181.9 million.
How many branches does Citizens State Bank of Loyal have?
5 branches in Wisconsin as of June 30, 2026.
Is Citizens State Bank of Loyal profitable?
Yes: it earned $1.80 million from January 1 to June 30, 2026 (up 30.4% from the same months a year before). Its return on assets was 1.16% a year; about 1% is typical.
Who owns Citizens State Bank of Loyal?
Citizens State Bank of Loyal is owned by Citizens Bancshares Loyal Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.