BanksCITIZENS STATE BANK AND TRUST COMPANY, THE

CITIZENS STATE BANK AND TRUST COMPANY, THE

COUNCIL GROVE, KSMicroEst. Jan. 1, 1921, midnightFDIC #15254RSSD #442057FDIC
Latest · 2025-12-31

CITIZENS STATE BANK AND TRUST COMPANY, THE is an 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%. CET1 capital ratio: 9.82%. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 7 domestic branches.

Assets
$85M
Deposits
$74M
Loans
$72M
Equity
$7M

Profitability

Return on Assets (ROA)1.75%
Return on Equity (ROE)21.24%
Net Interest Margin5.17%
Yield on Assets7.80%
Cost of Funds2.65%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.05%

Capital & Liquidity

CET1 Ratio9.82%
Tier 1 Capital9.82%
Total Capital Ratio10.88%
Leverage Ratio8.29%
Loan-to-Deposit98.41%

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