BanksCITIZENS STATE BANK AND TRUST COMPANY

CITIZENS STATE BANK AND TRUST COMPANY

HIAWATHA, KSSmallEst. Jan. 1, 1907, midnightFDIC #5830RSSD #678557FDIC
Latest · 2025-12-31

CITIZENS STATE BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 29.01%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$105M
Deposits
$79M
Loans
$65M
Equity
$18M

Profitability

Return on Assets (ROA)2.72%
Return on Equity (ROE)15.28%
Net Interest Margin4.74%
Yield on Assets5.58%
Cost of Funds1.03%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.95%

Capital & Liquidity

CET1 Ratio29.01%
Tier 1 Capital29.01%
Total Capital Ratio29.96%
Leverage Ratio17.88%
Loan-to-Deposit81.81%

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