|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Citizens State Bank of La Crosse Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 4, 2026
Citizens State Bank of La Crosse's savings rates are at 2.53%. MonitorBankRates evaluates the financial stability of Citizens State Bank of La Crosse with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.15%. Rates were last updated on 04/04/2026. Citizens State Bank of La Crosse money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens State Bank of La Crosse? Share your experience about Citizens State Bank of La Crosse by leaving a review below, or read customer reviews before you decide to use Citizens State Bank of La Crosse. 
Citizens State Bank of La Crosse Savings Rates
Citizens State Bank of La Crosse Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Citizens State Bank of La Crosse is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Citizens State Bank of La Crosse rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Citizens State Bank of La Crosse's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Citizens State Bank of La Crosse
Bank Holding Company
CLAYTON BANKSHARES INC
Address
620 Main St,
La Crosse, WI 54601 · La Crosse
Website
https://www.citizensstatebank.us
FDIC Certificate #
1513
Established
12/09/1907
FDIC Insurance Date
01/01/1934
Domestic Offices
4
Total Branches
4
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
3.15%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
2.5392%
Return on Equity (ROE)
30.1900%
Non-Performing Loans (NPL)
0.09%
Total Assets
$658,270,000
Total Deposits
$517,601,000
Equity Capital
$80,399,000
Net Income
$17,360,000
Headquarters
La Crosse
Total Offices
4
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Citizens State Bank of La CrosseIs Citizens State Bank of La Crosse a safe place to deposit money?Yes, Citizens State Bank of La Crosse is considered a safe financial institution. With a Texas Ratio of 3.1549703151165%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Citizens State Bank of La Crosse operate?Citizens State Bank of La Crosse currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Citizens State Bank of La Crosse does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Citizens State Bank of La Crosse provides members with tools to manage their accounts and build a solid financial history. Does Citizens State Bank of La Crosse offer online and mobile banking?Most modern institutions like Citizens State Bank of La Crosse provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.citizensstatebank.us. Current Citizens State Bank of La Crosse Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
FNB of Gilbert
Salyersville National Bank
First National Bank Hamilton, AL
Commercial State Bank, of Wagner
Citizens First Bank of Storm Lake
Community Bank of El Dorado Springs
First Community Bank of Moultrie County
Guaranty Bank
Gate City Bank
Rosedale FSL
Winter Park National Bank
Busey Bank
Bristol County Savings Bank
Merchants Commercial Bank
Fredonia Valley Bank
Franklin B&T Co.
Worthington Bank
Royal Banks of Missouri
Western State Bank
Bank of Franklin
The FNB Community Bank
|
||||||||||||||||||||||||
