Citizens Bank (Butler, MO)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank is an FDIC-insured commercial bank headquartered in Butler, MO, established in 1926 (FDIC certificate 22601), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $188.1M, up 0.2% from Q2 2025, the 128th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 9.69% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22601
- Headquarters
- Butler, MO
- Established
- 1926
- Total assets, Q2 2026
- $188.1M
- Assets vs Q2 2025
- +0.2%
- CET1 ratio, Q2 2026
- 9.69%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 101217514
- Holding company
- AMSTERDAM BANCSHARES, INC.
- Asset rank in state
- 128th of 191 in Missouri
Citizens Bank is one of the more profitable banks of its size. Its balance sheet stood at $188 million at June 30, 2026; it is based in Butler, Missouri. It earns about $2.49 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 6.53 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Net income for the quarter slipped 12% from a year earlier, to $1.2 million. Over the same year, loans grew 6.6% and deposits grew 0.9%. Where it has less room is capital: it holds common equity equal to 9.69% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Citizens Bank reported a CET1 capital ratio of 9.69%, a return on assets of 2.49%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 2.38%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Citizens Bank is the 128th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.3% to $188.1M, loans rose 1.6% and deposits fell 4.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.6% of total loans, ahead of farmland and other real estate loans at 25.3%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities across 2 states; its Rich Hill office books 21% of its branch deposits. Judged on its Q2 2026 call report, Citizens Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19 S Orange St, Butler, MO 64730
- County
- Bates
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 4, 1926
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $171.1M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $190.8M
- Average total loans
- $167.7M
- Average interest-bearing deposits
- $112.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 27, 1978
- FDIC Cert
- 22601
- Fed RSSD
- 97457
- Website
- WWW.CITIZENSBANK.WS →
- Parent Holding Company
- AMSTERDAM BANCSHARES, INC. (RSSD 1064317)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Citizens Bank's total assets moved between a low of $183.8M (Q4 2025) and a high of $194.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$188.1M total assets against $187.7M; $173.3M total liabilities against $170.2M.
$168.6M net loans and leases against $158.1M; $171.1M total deposits against $169.6M.
$2.0M securities against $5.6M; $6.4M cash and balances due against $12.5M.
$3.4M total interest income against $3.4M; $490K total interest expense against $532K.
$2.9M net interest income against $2.9M.
$161K total noninterest income against $192K; $1.9M total noninterest expense against $1.7M.
$30K provision for credit losses against $30K.
$1.2M net income against $1.3M.
2.49% return on assets against 2.85%; 6.53% net interest margin against 6.55%.
9.69% CET1 capital ratio against 11.44%; 7.73% tier 1 leverage ratio against 9.20%.
Inside the full Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank rankings
Its closest position to the top of a national ranking is 166 of 3,611, for ROA; its furthest is 2,118 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.35% (Q1 2026) to 3.24% (Q3 2024) and its net interest margin ran from 6.28% (Q1 2026) to 6.79% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.69% | 2.49% | 0.20% | 2.38% | 6.53% |
| Q1 2026 | 9.59% | 2.35% | 0.13% | 1.63% | 6.28% |
| Q4 2025 | 10.08% | 2.74% | 0.10% | 1.31% | 6.69% |
| Q3 2025 | 11.10% | 2.81% | 0.15% | 1.62% | 6.69% |
| Q2 2025 | 11.44% | 2.85% | 0.11% | 2.95% | 6.55% |
| Q1 2025 | 11.27% | 2.85% | 0.12% | 3.14% | 6.57% |
| Q4 2024 | 12.08% | 3.18% | 0.02% | 2.26% | 6.65% |
| Q3 2024 | 11.96% | 3.24% | 0.20% | 4.24% | 6.79% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Security Bk Branch | Rich Hill , MO | 64779 | $35.2M |
| Citizens Bank (main office) | Butler , MO | 64730 | $35.2M |
| Cleveland Branch | Cleveland , MO | 64734 | $17.7M |
| Liberal Branch | Liberal , MO | 64762 | $15.6M |
| Drexel Branch | Drexel , MO | 64742 | $15.3M |
| Bank of Minden Branch | Mindenmines , MO | 64769 | $14.6M |
| Citizens Bank - Adrian Branch | Adrian , MO | 64720 | $12.3M |
| Hume Bank Branch | Hume , MO | 64752 | $12.2M |
| Citizens Bank A Branch of Security Bank Branch | Fort Scott , KS | 66701 | $7.5M |
| Rockville Facility Branch | Rockville , MO | 64780 | $5.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 13, 2019 | Structure Change | Acquired Bank of Minden Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Structure Change | Acquired Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 158 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $38K approved, $38K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank
What are Citizens Bank's total assets?
As of the Q2 2026 filing, Citizens Bank reported total assets of $188.1 million in its FFIEC call report.
Where is Citizens Bank headquartered?
It is headquartered in Butler, MO, United States.
When was Citizens Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22601). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank?
Citizens Bank's primary federal regulator is the FDIC.
What is Citizens Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.69% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank's Texas Ratio?
Its Texas Ratio is 2.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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