CITIZENS FEDERAL SAVINGS BANK

LEAVENWORTH, KS | Small | Est. Jan. 1, 1884, midnight | FDIC #30150 | RSSD #864378 | OCC
Latest Report: 2025-12-31

CITIZENS FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in LEAVENWORTH, KS, established in Jan. 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $188M and total deposits of $144M. Profitability stands at 0.32% ROA and 1.64% ROE, with a net interest margin of 2.97%. The bank's CET1 capital ratio is 19.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 0.52%. FDIC Certificate #30150.

Assets

$188M

Deposits

$144M

Loans

$133M

Equity

$37M

Profitability

Return on Assets (ROA) 0.32%
Return on Equity (ROE) 1.64%
Net Interest Margin (NIM) 2.97%
Yield on Assets 4.41%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.52%
NPA Ratio 0.10%
ACL / Loans 0.30%

Capital & Liquidity

CET1 Ratio 19.64%
Tier 1 Capital 19.64%
Total Capital Ratio 20.62%
Leverage Ratio 19.91%
Loan-to-Deposit 92.42%

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