Citizens State Bank

Citizens State Bank is a currently active commercial lending specialization banking institution headquartered in Royal Oak, Michigan. Established in 12/06/1910, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Citizens State Bank manages $543.8M in total assets and holds $496.5M in customer deposits. When evaluating the stability of Citizens State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.28%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.80%, while its Return on Equity (ROE) sits at 21.90%. These robust metrics contribute to an overall health score of 9.3 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.