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The Citizens State Bank
Hugoton, KS · FDIC Certificate #15261 · Chartered 04/0
Total assets
$137.47M
Total deposits
$118.37M
Total equity
$18.39M
Net loans
$69.57M
Branches (offices)
1
Net income (YTD)
$763.00K
Rank: #3,407 of 4,213 U.S. banks by assets · #118 of 183 in Kansas. Assets changed 5.2% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 8.45% |
| Net interest margin (YTD) | 3.61% |
| Equity to assets | 13.38% |
| Tier 1 leverage ratio | 13.54% |
| Uninsured deposits (share of deposits) | 46.9% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 58.8% |
| Real estate loans (share of loans) | 54.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $37.71M | 54.2% | |
| Commercial & industrial | $8.76M | 12.6% | |
| Consumer / individual | $1.03M | 1.5% | |
| Construction & development | $3.00K | 0.0% | |
| Agricultural | $22.62M | 32.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $145.62M | $130.77M | $220.00K | $14.55M |
| Jun 2023 | $141.54M | $125.84M | $392.00K | $15.02M |
| Jun 2024 | $130.74M | $108.38M | $483.00K | $16.15M |
| Jun 2025 | $130.70M | $112.57M | $552.00K | $17.44M |
| Jun 2026 | $137.47M | $118.37M | $763.00K | $18.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $118.37M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $118.37M.
Similar-sized banks
The Twin Valley Bank ($137.60M) · The First Bank Of Okarche ($137.45M)
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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