Citizens Bank of Kansas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3925.66 percentage points higher than in Q1 2026, at 6200.00%. Within Kansas, Citizens Bank of Kansas is 151st of 182 on return on assets, 1.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens Bank of Kansas sits 0.24 points lower, at 1.01% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.01% |
| Tier 1 risk-based capital ratio | 15.01% |
| Total risk-based capital ratio | 15.82% |
| Tier 1 leverage ratio | 8.53% |
| Equity capital to assets | 6.16% |
| Tangible equity to tangible assets | 3.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.99% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 6200.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 18.14% |
| Net interest margin | 3.27% |
| Efficiency ratio | 67.91% |
| Yield on earning assets | 4.35% |
| Cost of funds | 1.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.95% |
| Core deposits to total deposits | 96.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.91% |
| Securities to assets | 43.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.55% | 13.55% | 14.40% | 8.50% | 0.73% |
| Q4 2023 | 13.89% | 13.89% | 14.74% | 8.56% | 0.82% |
| Q1 2024 | 14.23% | 14.23% | 15.08% | 8.53% | 0.47% |
| Q2 2024 | 14.41% | 14.41% | 15.27% | 8.54% | 0.59% |
| Q3 2024 | 14.66% | 14.66% | 15.53% | 8.69% | 0.54% |
| Q4 2024 | 14.28% | 14.28% | 15.11% | 8.77% | 0.70% |
| Q1 2025 | 14.47% | 14.47% | 15.30% | 8.59% | 0.71% |
| Q2 2025 | 14.49% | 14.49% | 15.31% | 8.69% | 0.90% |
| Q3 2025 | 15.05% | 15.05% | 15.89% | 8.86% | 0.85% |
| Q4 2025 | 14.93% | 14.93% | 15.75% | 8.84% | 0.74% |
| Q1 2026 | 15.20% | 15.20% | 16.04% | 8.61% | 0.90% |
| Q2 2026 | 15.01% | 15.01% | 15.82% | 8.53% | 1.01% |
Citizens Bank of Kansas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Kansas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4707) · FFIEC NIC profile (RSSD 1014853)