The Citizens National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Citizens National Bank is an FDIC-insured commercial bank headquartered in Greenleaf, KS, established in 1915 (FDIC certificate 4678), and it is supervised by the OCC. At Q2 2026 it reported total assets of $229.0M, up 2.8% from Q2 2025, the 83rd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 15.88% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4678
- Headquarters
- Greenleaf, KS
- Established
- 1915
- Total assets, Q2 2026
- $229.0M
- Assets vs Q2 2025
- +2.8%
- CET1 ratio, Q2 2026
- 15.88%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 101111953
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens National Bank call report
- Holding company
- PADGETT AGENCY, INC.
- Asset rank in state
- 83rd of 182 in Kansas
The Citizens National Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $229 million at June 30, 2026, up 2.8% from a year earlier; it is based in Greenleaf, Kansas. It funds 8.66% 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 carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $609,000, 54% above the same quarter a year earlier. Over the same year, loans grew 16.7% and deposits grew 3.4%. Its margin is thin by comparison: it keeps 3.15 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, The Citizens National Bank reported a CET1 capital ratio of 15.88%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The Citizens National Bank ranks as the 83rd largest of the 182 banks based in Kansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.3% to $229.0M, loans rose 1.8% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 32.1% of total loans, followed by 1-4 family residential loans at 23.7%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in KS; its Concordia 2 offices book 31% of its branch deposits. On its Q2 2026 call report, The Citizens National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 417 Commercial St, Greenleaf, KS 66943
- County
- Washington
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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
- January 1, 1915
- Former names
- The Citizens National Bank (1992)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $214.7M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $239.2M
- Average total loans
- $109.3M
- Average interest-bearing deposits
- $173.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4678
- Fed RSSD
- 991555
- Website
- www.thecnb.bank →
- Parent Holding Company
- PADGETT AGENCY, INC. (RSSD 1055669)
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
The Citizens National Bank's total assets moved between a low of $201.1M (Q3 2023) and a high of $232.0M (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
$229.0M total assets against $222.6M; $215.7M total liabilities against $208.2M.
$108.6M net loans and leases against $92.9M; $214.7M total deposits against $207.6M.
$110.8M securities against $113.8M; $2.7M cash and balances due against $8.8M.
$2.5M total interest income against $2.2M; $683K total interest expense against $691K.
$1.8M net interest income against $1.5M.
$577K total noninterest income against $437K; $1.6M total noninterest expense against $1.4M.
$25K provision for credit losses against $8K.
$609K net income against $396K.
1.02% return on assets against 0.69%; 3.15% net interest margin against 2.76%.
15.88% CET1 capital ratio against 20.73%; 8.66% tier 1 leverage ratio against 10.54%.
Inside the full The Citizens National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens National Bank rankings
Its closest position to the top of a national ranking is 724 of 2,134, for CET1 ratio; its furthest is 3,514 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q3 2024) to 1.02% (Q2 2026) and its net interest margin ran from 2.42% (Q3 2024) to 3.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.88% | 1.02% | 0.00% | 0.00% | 3.15% |
| Q1 2026 | 18.93% | 0.74% | 0.00% | 0.00% | 3.07% |
| Q4 2025 | 18.79% | 0.66% | 0.00% | 0.00% | 3.04% |
| Q3 2025 | 20.11% | 0.71% | 0.00% | 0.00% | 2.91% |
| Q2 2025 | 20.73% | 0.69% | 0.00% | 0.00% | 2.76% |
| Q1 2025 | 19.37% | 0.69% | 0.04% | 0.22% | 2.71% |
| Q4 2024 | 20.67% | 0.49% | 0.00% | 0.00% | 2.65% |
| Q3 2024 | 22.01% | 0.42% | 0.00% | 0.00% | 2.42% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Cloud County Branch | Concordia , KS | 66901 | $65.9M |
| 601 North Main Street Branch | Lansing , KS | 66043 | $49.9M |
| The Citizens National Bank | Greenleaf , KS | 66943 | $37.8M |
| Belleville Branch | Belleville , KS | 66935 | $36.6M |
| The Cnb Clay Center Branch | Clay Center , KS | 67432 | $20.6M |
| Leavenworth Branch | Leavenworth , KS | 66048 | $3.8M |
| Drive-In Branch | Concordia , KS | 66901 | $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 2, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 1996 | Structure Change | Acquired The First State Bank of Lansing Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 24, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 1992 | Structure Change | Acquired Cloud County Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 1962 | Structure Change | Acquired Greenleaf State 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 5 events.
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 October 4, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KS, rank 97 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 45 applications, 41 loans originated, $5.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $617K approved, $617K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 The Citizens National Bank
What are The Citizens National Bank's total assets?
As of the Q2 2026 filing, The Citizens National Bank reported total assets of $229.0 million in its FFIEC call report.
Where is The Citizens National Bank headquartered?
It is headquartered in Greenleaf, KS, United States.
When was The Citizens National Bank founded?
It was established in 1915, per the FDIC institution directory.
Is The Citizens National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank?
The Citizens National Bank's primary federal regulator is the OCC.
What is The Citizens National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.88% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens National Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens National Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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 The Citizens National Bank previously called?
The charter now named The Citizens National Bank has also operated as The Citizens National Bank (1992), per FDIC structure-change records.
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