Citizens State Bank
Chartered Bank Active FDIC Insured
Health Score
9.3 / 10
32500 Woodward Ave, Royal Oak, MI 48073
Financial Overview
Total Assets $543.8M
Total Deposits $496.5M
Profitability (ROA) 1.80%
Shareholder Return (ROE) 21.90%
Capital Cushion (Eq/Assets) 8.28%
Established 12/06/1910
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$165.5M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.micsb.com
FDIC Certificate #: 8183
Specialization: Commercial Lending Specialization