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The Citizens State Bank
Gridley, KS · FDIC Certificate #15111 · Chartered 01/0
Total assets
$336.19M
Total deposits
$294.52M
Total equity
$39.40M
Net loans
$221.86M
Branches (offices)
10
Net income (YTD)
$3.05M
Rank: #2,308 of 4,213 U.S. banks by assets · #63 of 183 in Kansas. Assets changed 6.1% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.81% |
| Return on equity | 15.93% |
| Net interest margin (YTD) | 4.90% |
| Equity to assets | 11.72% |
| Tier 1 leverage ratio | 12.08% |
| Uninsured deposits (share of deposits) | 22.9% |
| Noncurrent loans (share of loans) | 0.58% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 75.3% |
| Real estate loans (share of loans) | 46.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $103.87M | 46.8% | |
| Commercial & industrial | $30.25M | 13.6% | |
| Consumer / individual | $7.02M | 3.2% | |
| Construction & development | $4.15M | 1.9% | |
| Agricultural | $81.22M | 36.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $317.55M | $291.12M | $1.64M | $24.39M |
| Jun 2023 | $305.10M | $278.32M | $2.02M | $24.49M |
| Jun 2024 | $311.74M | $276.64M | $2.31M | $27.23M |
| Jun 2025 | $316.99M | $281.05M | $2.60M | $33.53M |
| Jun 2026 | $336.19M | $294.52M | $3.05M | $39.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $294.52M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $294.52M.
Similar-sized banks
Farmers And Merchants State Bank Of Pierz ($336.23M) · Charles River Bank ($336.06M)
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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