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Citizens Bank Of The Midwest

Rolla, MO · Est. 1944 · Website ↗
B
Trust Grade
Strong
Score: 82/100

Citizens Bank Of The Midwest is a bank based in Rolla, Missouri, established in 1944, with $249 million in total assets across 3 branches. By Trust Grade it ranks 184th of 195 banks we track in Missouri. Its capital ratio of 5.6% trails most similarly sized banks (2th percentile), versus a Missouri median of 10.3%. It was profitable over the most recent period, with a 1.12% return on assets. No consumer complaints against Citizens Bank Of The Midwest appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$249.4M
$100M–1B institution
Deposits
$207.9M
Branches
3
Capital ratio
5.6%
Bottom 2% of $100M–1B peers · Missouri median 10.3%
Return on assets
1.1%
Bottom 45% of $100M–1B peers · Missouri median 1.38%
Rank in Missouri
#184
of 195 banks

How Citizens Bank Of The Midwest compares to Missouri peers

Capital ratio
Bottom 2% of $100M–1B peers
Citizens Bank
5.6%
Missouri median
10.3%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 45% of $100M–1B peers
Citizens Bank
1.1%
Missouri median
1.4%
Higher ROA = more profitable relative to asset base

How we graded Citizens Bank Of The Midwest

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
82/100
Customer experience
n/a
Overall
B · 82
  • Well-capitalized (5.6% capital ratio)
  • Strongly profitable (ROA 1.12%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Citizens Bank Of The Midwest over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (3)

  • 1515 Martin Springs Dr, Rolla, MO 65401
  • 91 Truman Street, Doolittle, MO 65401
  • 907 Old Route 66, St. Robert, MO 65584

Are deposits at Citizens Bank Of The Midwest insured?

Yes. Citizens Bank Of The Midwest is an FDIC-insured bank (FDIC certificate #16126). 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 Bank Of The Midwest: frequently asked questions

Is Citizens Bank Of The Midwest a good bank?

Citizens Bank Of The Midwest earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (5.6% capital ratio); Strongly profitable (ROA 1.12%).

Is Citizens Bank Of The Midwest FDIC-insured?

Yes. Citizens Bank Of The Midwest is a FDIC-insured bank (FDIC certificate #16126). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Citizens Bank Of The Midwest?

Citizens Bank Of The Midwest holds $249 million in total assets, ranking 184th of 195 banks we track in Missouri. It operates 3 branches.

Does Citizens Bank Of The Midwest have CFPB complaints?

No CFPB complaints against Citizens Bank Of The Midwest appear in our data over the analysis window, which is typical for a bank of this size.

Similar Banks

Peoples Bank
bank · Cuba, MO · $249M assets
Community Bank Of Marshall
bank · Marshall, MO · $247M assets
Tbo Bank
bank · Orrick, MO · $247M assets
Community Point Bank
bank · Russellville, MO · $254M assets
Citizens Bank Of Eldon
bank · Eldon, MO · $244M assets
First State Bank Of The Ozarks
bank · Purdy, MO · $243M assets

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.

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