Citizens Savings Bank is a bank based in Spillville, Iowa, established in 1908, with $148 million in total assets across 3 branches. By Trust Grade it ranks 145th of 226 banks we track in Iowa. Its capital ratio of 9.8% trails most similarly sized banks (45th percentile), versus a Iowa median of 10.2%. It was profitable over the most recent period, with a 0.70% return on assets. No consumer complaints against Citizens Savings Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens Savings Bank compares to Iowa peers
How we graded Citizens Savings Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.8% capital ratio)
- Profitable (ROA 0.70%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens Savings Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 104 4th St Nw, Fort Atkinson, IA 52144
- 109 N Main St, Protivin, IA 52163
- 101 Church St, Spillville, IA 52168
Are deposits at Citizens Savings Bank insured?
Yes. Citizens Savings Bank is an FDIC-insured bank (FDIC certificate #12128). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens Savings Bank: frequently asked questions
Is Citizens Savings Bank a good bank?
Citizens Savings Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.8% capital ratio); Profitable (ROA 0.70%).
Is Citizens Savings Bank FDIC-insured?
Yes. Citizens Savings Bank is a FDIC-insured bank (FDIC certificate #12128). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens Savings Bank?
Citizens Savings Bank holds $148 million in total assets, ranking 145th of 226 banks we track in Iowa. It operates 3 branches.
Does Citizens Savings Bank have CFPB complaints?
No CFPB complaints against Citizens Savings Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
