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The Citizens State Bank
Moundridge, KS · FDIC Certificate #17672 · Chartered 08/0
Total assets
$450.64M
Total deposits
$382.28M
Total equity
$58.61M
Net loans
$220.90M
Branches (offices)
9
Net income (YTD)
$3.77M
Rank: #1,907 of 4,213 U.S. banks by assets · #48 of 183 in Kansas. Assets changed 6.2% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 13.16% |
| Net interest margin (YTD) | 4.24% |
| Equity to assets | 13.01% |
| Tier 1 leverage ratio | 14.45% |
| Uninsured deposits (share of deposits) | 22.5% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 57.8% |
| Real estate loans (share of loans) | 68.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $152.30M | 68.9% | |
| Commercial & industrial | $11.99M | 5.4% | |
| Consumer / individual | $2.36M | 1.1% | |
| Construction & development | $1.29M | 0.6% | |
| Agricultural | $57.04M | 25.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $497.80M | $430.44M | $2.29M | $40.12M |
| Jun 2023 | $451.14M | $398.16M | $3.05M | $40.63M |
| Jun 2024 | $431.94M | $376.23M | $3.37M | $46.14M |
| Jun 2025 | $424.23M | $364.26M | $2.63M | $51.60M |
| Jun 2026 | $450.64M | $382.28M | $3.77M | $58.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $382.28M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $382.28M.
Similar-sized banks
Patriot Bank ($451.16M) · Watermark Bank ($450.54M)
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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