CITIZENS STATE BANK

HUGOTON, KS | Small | Est. April 1, 1913, midnight | FDIC #15261 | RSSD #937759 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in HUGOTON, KS, established in April 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $139M and total deposits of $120M. Profitability stands at 1.21% ROA and 9.09% ROE, with a net interest margin of 3.75%. The bank's CET1 capital ratio is 12.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 1.34%. FDIC Certificate #15261.

Assets

$139M

Deposits

$120M

Loans

$79M

Equity

$18M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 9.09%
Net Interest Margin (NIM) 3.75%
Yield on Assets 5.52%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.53%
Texas Ratio 1.34%
NPA Ratio 0.18%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 12.82%
Tier 1 Capital 12.82%
Total Capital Ratio 13.46%
Leverage Ratio 14.07%
Loan-to-Deposit 65.33%

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