CITIZENS NATIONAL BANK, THE

GREENLEAF, KS | Small | Est. Jan. 1, 1915, midnight | FDIC #4678 | RSSD #991555 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK, THE is asn small FDIC-insured commercial bank headquartered in GREENLEAF, KS, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $224M and total deposits of $200M. Profitability stands at 0.68% ROA and 8.84% ROE, with a net interest margin of 3.26%. The bank's CET1 capital ratio is 18.79%, 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 #4678.

Assets

$224M

Deposits

$200M

Loans

$109M

Equity

$18M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 8.84%
Net Interest Margin (NIM) 3.26%
Yield on Assets 4.67%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 18.79%
Tier 1 Capital 18.79%
Total Capital Ratio 20.04%
Leverage Ratio 10.65%
Loan-to-Deposit 54.40%

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