Royal Oak, MI
Bank Citizens State Bank
Citizens State Bank is a federally insured bank based in Royal Oak, Michigan.
- Type
- Bank
- Charter
- State-chartered commercial bank, Federal Reserve member
- Primary regulator
- FED
- Established
- December 6, 1910
- Headquarters
- Royal Oak, MI
- FDIC certificate #
- 8183
- Fed RSSD ID
- 356752
- Holding company
- Citizens Bancshares Inc
- Website
- www.micsb.com
$543.8M
Total assets Data as of Q1 2026
$496.5M
Total deposits Data as of Q1 2026
3
Branch locations Data as of Q1 2026
$2.4M
Net income Data as of Q1 2026
1.80%
Return on assets Data as of Q1 2026
Source: U.S. FDIC BankFind & NCUA 5300 Call Report (public data). Data sources · Data as of Q1 2026
Branches by state
Citizens State Bank operates 3 branch locations in Michigan. Select a state to drill down to its towns and individual branches.
Ownership
Citizens State Bank is owned by Citizens Bancshares Inc. See the full ownership & merger history.
Citizens State Bank financial summary
Other banks in Michigan
Federally insured banks headquartered in Michigan, by total assets.
- Northpointe Bank $7.4B
- First National Bank of America $6.76B
- Mercantile Bank $6.36B
- Independent Bank $5.55B
- ChoiceOne Bank $4.39B
- Macatawa Bank, National Association $3.48B
- Bank of Ann Arbor $3.33B
- Isabella Bank $2.2B
Similar-size banks
Institutions close to Citizens State Bank’s $543.8M in assets.
- Citizens Bank of Kansas $543.9M
- Connection Bank $543.5M
- The Cooperative Bank $543.5M
- Redwood Capital Bank $543.4M
- First Nations Bank $544.2M
- Bank of Texas $543.1M