Citizens State Bank
Headquartered in Royal Oak, MI. Part of Citizens Bancshares, Inc. FDIC certificate #8183 · Federal Reserve RSSD 356752.
Total assets
$544M
Deposits
$497M
Q1 2026
Active branches
3
Closings since Jan 2020
0
2 openings since Jan 2020
Financial snapshot — Q1 2026
All quarters →Net income (quarter)
$2M
Return on assets
1.80%
Return on equity
21.90%
Noncurrent loan rate
0.05%
Deposits by year (Summary of Deposits)
02019
02020
02021
02022
02023
02024
02025
Values in $ billions, June 30 of each year.
Openings by year
12021
12025
Other network changes since 2020
- 1 branch relocations
- April 5, 2021: legal name changed from “The Citizens State Bank of Ontonagon” to “Citizens State Bank”
Branches by state
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.micsb.com.