CITIZENS STATE BANK AND TRUST COMPANY, THE

COUNCIL GROVE, KS | Micro | Est. Jan. 1, 1921, midnight | FDIC #15254 | RSSD #442057 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK AND TRUST COMPANY, THE is amn micro FDIC-insured commercial bank headquartered in COUNCIL GROVE, KS, established in Jan. 1, 1921, midnight. As of 2025-12-31, the bank reported total assets of $85M and total deposits of $74M. Profitability stands at 1.75% ROA and 21.24% ROE, with a net interest margin of 5.17%. The bank's CET1 capital ratio is 9.82%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15254.

Assets

$85M

Deposits

$74M

Loans

$72M

Equity

$7M

Profitability

Return on Assets (ROA) 1.75%
Return on Equity (ROE) 21.24%
Net Interest Margin (NIM) 5.17%
Yield on Assets 7.80%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 9.82%
Tier 1 Capital 9.82%
Total Capital Ratio 10.88%
Leverage Ratio 8.29%
Loan-to-Deposit 98.41%

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