CITIZENS STATE BANK AND TRUST COMPANY

HIAWATHA, KS | Small | Est. Jan. 1, 1907, midnight | FDIC #5830 | RSSD #678557 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in HIAWATHA, KS, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $105M and total deposits of $79M. Profitability stands at 2.72% ROA and 15.28% ROE, with a net interest margin of 4.74%. The bank's CET1 capital ratio is 29.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #5830.

Assets

$105M

Deposits

$79M

Loans

$65M

Equity

$18M

Profitability

Return on Assets (ROA) 2.72%
Return on Equity (ROE) 15.28%
Net Interest Margin (NIM) 4.74%
Yield on Assets 5.58%
Cost of Funds 1.28%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 29.01%
Tier 1 Capital 29.01%
Total Capital Ratio 29.96%
Leverage Ratio 17.88%
Loan-to-Deposit 81.81%

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