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BDI
CS

Citizens State Bank

Royal Oak, MichiganFDIC Cert #8183

STATEEstablished 19103 branches

Holding company: CITIZENS BANCSHARES INCRegulator: FED

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$67.8M$57M
Q3 2021$81.6M$70.8M
Q4 2021$106M$90.3M
Q1 2022$116M$101M
Q2 2022$130M$114M
Q3 2022$157M$141M
Q4 2022$168M$142M
Q1 2023$181M$162M
Q2 2023$199M$178M
Q3 2023$222M$200M
Q4 2023$231M$208M
Q1 2024$260M$235M
Q2 2024$290M$262M
Q3 2024$314M$283M
Q4 2024$327M$296M
Q1 2025$382M$350M
Q2 2025$412M$375M
Q3 2025$469M$426M
Q4 2025$527M$481M
Q1 2026$544M$497M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$544M
+42.3%y/y
Percentile by value55th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$497M
+42.0%y/y
Percentile by value61st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$415M
+75.9%y/y
Percentile by value64th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$411M
+76.0%y/y
Percentile by value65th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$58.7M
−4.6%y/y
Percentile by value31st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$51.4M
−29.7%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$499M
+42.2%y/y
Percentile by value57th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$45M
+43.9%y/y
Peer standing38th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$6.24M
+37.1%y/y
Peer standing63rd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$5.41M
+42.0%y/y
Peer standing63rd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$832K
+12.0%y/y
Peer standing69th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
$396K
−27.1%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$2.97M
+60.8%y/y
Peer standing77th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$2.41M
+63.3%y/y
Peer standing74th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC