CITIZENS STATE BANK, THE

MOUNDRIDGE, KS | Small | Est. Aug. 1, 1904, midnight | FDIC #17672 | RSSD #273550 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in MOUNDRIDGE, KS, established in Aug. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $436M and total deposits of $370M. Profitability stands at 1.76% ROA and 13.87% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 11.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 0.69%. FDIC Certificate #17672.

Assets

$436M

Deposits

$370M

Loans

$226M

Equity

$57M

Profitability

Return on Assets (ROA) 1.76%
Return on Equity (ROE) 13.87%
Net Interest Margin (NIM) 4.17%
Yield on Assets 4.95%
Cost of Funds 0.83%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.69%
NPA Ratio 0.10%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 11.61%
Tier 1 Capital 11.61%
Total Capital Ratio 12.19%
Leverage Ratio 14.00%
Loan-to-Deposit 61.08%

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