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The Citizens State Bank And Trust Company
Council Grove, KS · FDIC Certificate #15254 · Chartered 01/0
Total assets
$96.10M
Total deposits
$84.34M
Total equity
$8.23M
Net loans
$81.65M
Branches (offices)
7
Net income (YTD)
$878.00K
Rank: #3,707 of 4,213 U.S. banks by assets · #140 of 183 in Kansas. Assets changed 14.8% and deposits 16.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.95% |
| Return on equity | 23.33% |
| Net interest margin (YTD) | 5.17% |
| Equity to assets | 8.57% |
| Tier 1 leverage ratio | 8.96% |
| Uninsured deposits (share of deposits) | 15.5% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 96.8% |
| Real estate loans (share of loans) | 68.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $55.92M | 68.5% | |
| Commercial & industrial | $9.43M | 11.5% | |
| Consumer / individual | $1.40M | 1.7% | |
| Construction & development | $3.77M | 4.6% | |
| Agricultural | $15.72M | 19.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $63.52M | $58.02M | $377.00K | $5.44M |
| Jun 2023 | $68.51M | $57.84M | $562.00K | $5.53M |
| Jun 2024 | $74.14M | $62.85M | $552.00K | $5.92M |
| Jun 2025 | $83.75M | $72.33M | $803.00K | $6.96M |
| Jun 2026 | $96.10M | $84.34M | $878.00K | $8.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $84.34M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $84.34M.
Similar-sized banks
The First National Bank Of Germantown ($96.17M) · The First National Bank Of Johnson ($95.59M)
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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