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Citizens State Bank And Trust Company
Hiawatha, KS · FDIC Certificate #5830 · Chartered 01/0
Total assets
$103.62M
Total deposits
$79.60M
Total equity
$18.74M
Net loans
$65.04M
Branches (offices)
2
Net income (YTD)
$1.10M
Rank: #3,656 of 4,213 U.S. banks by assets · #135 of 183 in Kansas. Assets changed 3.1% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.10% |
| Return on equity | 11.86% |
| Net interest margin (YTD) | 4.48% |
| Equity to assets | 18.09% |
| Tier 1 leverage ratio | 18.31% |
| Uninsured deposits (share of deposits) | 15.1% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 81.7% |
| Real estate loans (share of loans) | 70.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $45.52M | 70.0% | |
| Commercial & industrial | $4.13M | 6.4% | |
| Consumer / individual | $2.80M | 4.3% | |
| Construction & development | $1.41M | 2.2% | |
| Agricultural | $12.92M | 19.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $119.97M | $98.02M | $234.00K | $12.93M |
| Jun 2023 | $105.99M | $87.08M | $740.00K | $13.80M |
| Jun 2024 | $93.65M | $75.89M | $808.00K | $15.86M |
| Jun 2025 | $100.54M | $76.58M | $1.07M | $17.56M |
| Jun 2026 | $103.62M | $79.60M | $1.10M | $18.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $79.60M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $79.60M.
Similar-sized banks
American Exchange Bank ($103.69M) · The International Bank Of Amherst ($103.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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