Citizens Federal Savings Bank
BankRegReports is independent of Citizens Federal Savings Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens Federal Savings Bank is an FDIC-insured savings institution headquartered in Leavenworth, KS, established in 1884 (FDIC certificate 30150), and it is supervised by the OCC. At Q2 2026 it reported total assets of $190.1M, up 1.9% from Q2 2025, the 99th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.08% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30150
- Headquarters
- Leavenworth, KS
- Established
- 1884
- Total assets, Q2 2026
- $190.1M
- Assets vs Q2 2025
- +1.9%
- Tier 1 leverage ratio, Q2 2026
- 20.08%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 301170943
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Federal Savings Bank call report
- Asset rank in state
- 99th of 182 in Kansas
Citizens Federal Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $190 million at June 30, 2026, up 1.9% from a year earlier; it is based in Leavenworth, Kansas. It earns about $0.16 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter slipped 18% from a year earlier, to $80,000. Over the same year, loans grew 0.5% and deposits grew 6.8%. Its margin is thin by comparison: it keeps 2.94 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
As of June 30, 2026, Citizens Federal Savings Bank reported a return on assets of 0.16%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.54%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Federal Savings Bank is the 99th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $190.1M, loans fell 0.7% and deposits rose 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 88.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 3.7%. The FDIC Summary of Deposits lists 3 offices for it, in Leavenworth, KS and Basehor, KS; its Leavenworth 2 offices book 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5151 S 4th St, Leavenworth, KS 66048
- County
- Leavenworth
- Metro Area
- Kansas City, MO-KS
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1884
- Former names
- Citizens Savings and Loan Association, FSB (1993-2020); Citizens Savings and Loan Association (1989-1993)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $149.1M
- Allowance for credit losses
- $416K
- Net charge-offs (YTD)
- $12K
- Average total assets
- $194.5M
- Average total loans
- $135.3M
- Average interest-bearing deposits
- $133.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30150
- Fed RSSD
- 864378
- Website
- www.citizensfsb.bank →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Citizens Federal Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Citizens Federal Savings Bank's total assets moved between a low of $182.4M (Q3 2023) and a high of $192.1M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$190.1M total assets against $186.6M; $153.2M total liabilities against $151.0M.
$134.4M net loans and leases against $133.8M; $149.1M total deposits against $139.7M.
$32.6M securities against $35.0M; $10.6M cash and balances due against $4.7M.
$1.9M total interest income against $1.8M; $597K total interest expense against $635K.
$1.3M net interest income against $1.2M.
$206K total noninterest income against $170K; $1.4M total noninterest expense against $1.3M.
$15K provision for credit losses against $0.
$80K net income against $97K.
0.16% return on assets against 0.20%; 2.94% net interest margin against 2.73%.
20.08% tier 1 leverage ratio against 19.96%.
Inside the full Citizens Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Federal Savings Bank rankings
Its closest position to the top of a national ranking is 3,035 of 4,196, for total assets; its furthest is 3,467 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.08% (Q1 2025) to 0.31% (Q4 2025) and its net interest margin ran from 2.64% (Q3 2024) to 2.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.08% | 0.16% | 0.15% | 0.54% | 2.94% |
| Q1 2026 | 20.05% | 0.21% | 0.22% | 0.82% | 2.88% |
| Q4 2025 | 19.83% | 0.31% | 0.23% | 0.83% | 2.85% |
| Q3 2025 | 19.83% | 0.24% | 0.26% | 0.94% | 2.77% |
| Q2 2025 | 19.96% | 0.20% | 0.26% | 0.98% | 2.73% |
| Q1 2025 | 19.71% | -0.08% | 0.17% | 0.64% | 2.69% |
| Q4 2024 | 19.76% | 0.22% | 0.10% | 0.36% | 2.66% |
| Q3 2024 | 19.69% | 0.16% | 0.07% | 0.26% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Citizens Federal Savings Bank (main office) | Leavenworth , KS | 66048 | $90.2M |
| State Avenue Branch | Basehor , KS | 66007 | $40.5M |
| 312 South Fifth Street Branch | Leavenworth , KS | 66048 | $18.5M |
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 |
|---|---|---|---|
| January 13, 1990 | Structure Change | Acquired Peoples Heritage Savings, a Federal Savings and Loan Associatin 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 10, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in KS, rank 127 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Citizens Federal Savings Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Citizens Federal Savings Bank
What are Citizens Federal Savings Bank's total assets?
As of the Q2 2026 filing, Citizens Federal Savings Bank reported total assets of $190.1 million in its FFIEC call report.
Where is Citizens Federal Savings Bank headquartered?
It is headquartered in Leavenworth, KS, United States.
When was Citizens Federal Savings Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Citizens Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30150). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Federal Savings Bank?
Citizens Federal Savings Bank's primary federal regulator is the OCC.
How many branches does Citizens Federal Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 0.54% 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 Federal Savings Bank previously called?
The charter now named Citizens Federal Savings Bank has also operated as Citizens Savings and Loan Association, FSB (1993-2020), Citizens Savings and Loan Association (1989-1993), per FDIC structure-change records.
Go deeper on Citizens Federal Savings Bank.
Get an email when Citizens Federal Savings Bank files its next call report, and benchmark it against any peer you choose.
Unlock Citizens Federal Savings Bank, freeFree account