Citizens State Bank (Hugoton, KS)
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank is an FDIC-insured commercial bank headquartered in Hugoton, KS, established in 1913 (FDIC certificate 15261), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $137.5M, up 5.2% from Q2 2025, the 118th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15261
- Headquarters
- Hugoton, KS
- Established
- 1913
- Total assets, Q2 2026
- $137.5M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 13.54%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101111351
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank call report
- Holding company
- HUGOTON BANCSHARES, INC.
- Asset rank in state
- 118th of 182 in Kansas
Problem loans are rising at Citizens State Bank. The Hugoton, Kansas bank had $137 million in assets at June 30, 2026, up 5.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.30% of loans from 0.00% a year earlier. It holds commercial real estate loans equal to only 10% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 5.4% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $438,000, 43% above the same quarter a year earlier. Over the same year, loans shrank 5.4% and deposits grew 5.1%.
As of June 30, 2026, Citizens State Bank reported a return on assets of 1.23%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 1.10%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Citizens State Bank is the 118th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.8% to $137.5M, loans rose 1.9% and deposits fell 4.7%. Farmland and other real estate loans made up 41.9% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 32.1%. The FDIC Summary of Deposits lists a single office for it, in Hugoton, KS. Judged on its Q2 2026 call report, Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 601 S Main St, Hugoton, KS 67951
- County
- Stevens
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1913
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $118.4M
- Allowance for credit losses
- $836K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $142.8M
- Average total loans
- $69.8M
- Average interest-bearing deposits
- $90.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 22, 1935
- FDIC Cert
- 15261
- Fed RSSD
- 937759
- Website
- www.csbks.com →
- Parent Holding Company
- HUGOTON BANCSHARES, INC. (RSSD 1059573)
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 State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Citizens State Bank's total assets moved between a low of $130.0M (Q3 2023) and a high of $143.0M (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
$137.5M total assets against $130.7M; $119.1M total liabilities against $113.3M.
$69.6M net loans and leases against $73.5M; $118.4M total deposits against $112.6M.
$48.9M securities against $46.9M; $14.0M cash and balances due against $5.9M.
$1.8M total interest income against $1.7M; $566K total interest expense against $631K.
$1.2M net interest income against $1.1M.
$91K total noninterest income against $63K; $731K total noninterest expense against $771K.
$36K provision for credit losses against $15K.
$438K net income against $307K.
1.23% return on assets against 0.88%; 3.65% net interest margin against 3.32%.
13.54% tier 1 leverage ratio against 13.24%.
Inside the full Citizens State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens State Bank rankings
Its closest position to the top of a national ranking is 1,162 of 3,606, for efficiency ratio; its furthest is 3,394 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q3 2024) to 1.23% (Q4 2025) and its net interest margin ran from 3.04% (Q3 2024) to 3.75% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.54% | 1.23% | 0.30% | 1.10% | 3.65% |
| Q1 2026 | 13.26% | 0.91% | 0.36% | 1.34% | 3.42% |
| Q4 2025 | 14.07% | 1.23% | 0.32% | 1.35% | 3.75% |
| Q3 2025 | 14.23% | 0.71% | 0.32% | 1.35% | 3.53% |
| Q2 2025 | 13.24% | 0.88% | 0.00% | 0.00% | 3.32% |
| Q1 2025 | 12.68% | 0.68% | 0.00% | 0.02% | 3.09% |
| Q4 2024 | 13.37% | 0.81% | 0.00% | 0.01% | 3.22% |
| Q3 2024 | 13.65% | 0.45% | 0.00% | 0.01% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Citizens State Bank | Hugoton , KS | 67951 | $118.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 144 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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
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Frequently asked about Citizens State Bank
What are Citizens State Bank's total assets?
As of the Q2 2026 filing, Citizens State Bank reported total assets of $137.5 million in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Hugoton, KS, United States.
When was Citizens State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15261). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens State Bank?
Citizens State Bank's primary federal regulator is the FDIC.
How many branches does Citizens State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens State Bank's Texas Ratio?
Its Texas Ratio is 1.10% 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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