Citizens Bank of Kansas
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Kansas is an FDIC-insured commercial bank headquartered in Kingman, KS, established in 1886 (FDIC certificate 4707), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $548.4M, up 6.9% from Q2 2025, the 35th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 15.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4707
- Headquarters
- Kingman, KS
- Established
- 1886
- Total assets, Q2 2026
- $548.4M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 15.01%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 101102108
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of Kansas call report
- Holding company
- KING BANCSHARES, INC.
- Asset rank in state
- 35th of 182 in Kansas
Citizens Bank of Kansas operates with a thinner capital cushion than most banks of its size. Based in Kingman, Kansas, it had $548 million in assets at June 30, 2026, up 6.9% from a year earlier. It funds 8.53% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it pays an average of 1.13% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $28 million equal 59% of Tier 1 capital, down from 81% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 2.1% and deposits rose 5.8%. Its margin is thin by comparison: it keeps 3.27 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Citizens Bank of Kansas reported a CET1 capital ratio of 15.01%, a return on assets of 1.01%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
Citizens Bank of Kansas ranks as the 35th largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $548.4M, loans rose 0.5% and deposits rose 0.2%. 1-4 family residential loans made up 39.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 13.1%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities in KS; its Derby 3 offices book 27% of its branch deposits. On its Q2 2026 call report, Citizens Bank of Kansas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 N Main St, Kingman, KS 67068
- County
- Kingman
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 14, 1886
- Former names
- Citizens Bank of Kansas, National Association (1994-2013)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 96
- Domestic deposits
- $498.6M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $575.5M
- Average total loans
- $234.0M
- Average interest-bearing deposits
- $387.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4707
- Fed RSSD
- 1014853
- Website
- www.citizensbankofkansas.com →
- Parent Holding Company
- KING BANCSHARES, INC. (RSSD 1061987)
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
From Q3 2023 to Q2 2026, Citizens Bank of Kansas's total assets ranged from $476.5M (Q3 2023) to $548.4M (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
$548.4M total assets against $512.8M; $514.7M total liabilities against $489.9M.
$236.5M net loans and leases against $241.6M; $498.6M total deposits against $471.3M.
$237.8M securities against $209.4M; $37.3M cash and balances due against $26.5M.
$5.7M total interest income against $5.4M; $1.5M total interest expense against $1.6M.
$4.2M net interest income against $3.8M.
$834K total noninterest income against $1.0M; $3.6M total noninterest expense against $3.5M.
-$2K provision for credit losses against $30K.
$1.5M net income against $1.2M.
1.01% return on assets against 0.90%; 3.27% net interest margin against 3.14%.
15.01% CET1 capital ratio against 14.49%; 8.53% tier 1 leverage ratio against 8.69%.
Inside the full Citizens Bank of Kansas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank of Kansas rankings
Its closest position to the top of a national ranking is 1,664 of 4,196, for total assets; its furthest is 2,678 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.54% (Q3 2024) to 1.01% (Q2 2026) and its net interest margin ran from 2.82% (Q3 2024) to 3.27% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.01% | 1.01% | 0.02% | 0.99% | 3.27% |
| Q1 2026 | 15.20% | 0.90% | 0.05% | 1.60% | 3.21% |
| Q4 2025 | 14.93% | 0.74% | 0.03% | 1.07% | 3.27% |
| Q3 2025 | 15.05% | 0.85% | 0.04% | 1.38% | 3.20% |
| Q2 2025 | 14.49% | 0.90% | 0.08% | 3.03% | 3.14% |
| Q1 2025 | 14.47% | 0.71% | 0.12% | 2.59% | 3.02% |
| Q4 2024 | 14.28% | 0.70% | 0.10% | 3.24% | 2.94% |
| Q3 2024 | 14.66% | 0.54% | 0.13% | 1.80% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Buckner Branch | Derby , KS | 67037 | $99.4M |
| Citizens Bank of Kansas (main office) | Kingman , KS | 67068 | $91.8M |
| Medicine Lodge Branch | Medicine Lodge , KS | 67104 | $65.5M |
| West Central Branch | El Dorado , KS | 67042 | $58.8M |
| 1511 Main Branch | Winfield , KS | 67156 | $49.3M |
| Wichita Branch | Wichita , KS | 67208 | $37.1M |
| Rock Road Office | Derby , KS | 67037 | $33.4M |
| 104 West Main Branch | Pretty Prairie , KS | 67570 | $25.8M |
| Augusta Branch | Augusta , KS | 67010 | $18.8M |
| Wichita Branch | Wichita , KS | 67212 | $18.6M |
| Derby High School Branch | Derby , KS | 67037 | $0 |
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 |
|---|---|---|---|
| January 3, 2019 | Structure Change | Acquired Verus Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1998 | Structure Change | Acquired The State Bank-Pretty Prairie Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1994 | Structure Change | Acquired The Turon State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1992 | Structure Change | Acquired Kingman Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 19, 2004, OCC: Formal Agreement: Citizens Bank of Kansas, National Association
- Period: Most recent institution action August 19, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in KS, rank 45 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 168 applications, 122 loans originated, $27.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $248K approved, $124K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 of Kansas
What are Citizens Bank of Kansas's total assets?
As of the Q2 2026 filing, Citizens Bank of Kansas reported total assets of $548.4 million in its FFIEC call report.
Where is Citizens Bank of Kansas headquartered?
It is headquartered in Kingman, KS, United States.
When was Citizens Bank of Kansas founded?
It was established in 1886, per the FDIC institution directory.
Is Citizens Bank of Kansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Kansas?
Citizens Bank of Kansas's primary federal regulator is the Federal Reserve.
What is Citizens Bank of Kansas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank of Kansas operate?
It operates 11 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 of Kansas's Texas Ratio?
Its Texas Ratio is 0.99% 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.
What was Citizens Bank of Kansas previously called?
The charter now named Citizens Bank of Kansas has also operated as Citizens Bank of Kansas, National Association (1994-2013), per FDIC structure-change records.
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