CITIZENS BANK OF KANSAS

KINGMAN, KS | Medium | Est. May 14, 1886, midnight | FDIC #4707 | RSSD #1014853 | FED
Latest Report: 2025-12-31

CITIZENS BANK OF KANSAS is amn medium FDIC-insured commercial bank headquartered in KINGMAN, KS, established in May 14, 1886, midnight. As of 2025-12-31, the bank reported total assets of $528M and total deposits of $478M. Profitability stands at 0.78% ROA and 12.50% ROE, with a net interest margin of 3.35%. The bank's CET1 capital ratio is 14.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.66%. FDIC Certificate #4707.

Assets

$528M

Deposits

$478M

Loans

$243M

Equity

$34M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 12.50%
Net Interest Margin (NIM) 3.35%
Yield on Assets 4.55%
Cost of Funds 1.19%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.66%
NPA Ratio 0.05%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 14.93%
Tier 1 Capital 14.93%
Total Capital Ratio 15.75%
Leverage Ratio 8.84%
Loan-to-Deposit 50.74%

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