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.
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