Citizens State Bank and Trust Co., Ellsworth, Kansas
Also written as CSB&T
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank and Trust Co., Ellsworth, Kansas is an FDIC-insured commercial bank headquartered in Ellsworth, KS, established in 1900 (FDIC certificate 11778), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $275.9M, up 4.9% from Q2 2025, the 76th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11778
- Headquarters
- Ellsworth, KS
- Established
- 1900
- Total assets, Q2 2026
- $275.9M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 9.74%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 101102496
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank and Trust Co., Ellsworth, Kansas call report
- Holding company
- CSB BANCSHARES, INC.
- Asset rank in state
- 76th of 182 in Kansas
Citizens State Bank and Trust Co., Ellsworth, Kansas, based in Ellsworth, Kansas, reported $276 million in assets at June 30, 2026, up 4.9% from a year earlier. It holds commercial real estate loans equal to only 17% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also returns 20.6% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.0 million equal 32% of Tier 1 capital, down from 39% a year earlier. Net income for the quarter rose 28% from a year earlier, to $1.1 million. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, Citizens State Bank and Trust Co., Ellsworth, Kansas reported a return on assets of 1.52%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens State Bank and Trust Co., Ellsworth, Kansas is the 76th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $275.9M, loans rose 3.3% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 33.5% of total loans, followed by 1-4 family residential loans at 32.3%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in KS; its Ellsworth 2 offices book 63% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens State Bank and Trust Co., Ellsworth, Kansas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 N Douglas Ave, Ellsworth, KS 67439
- County
- Ellsworth
- 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 31, 1900
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $211.4M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $286.7M
- Average total loans
- $167.4M
- Average interest-bearing deposits
- $170.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11778
- Fed RSSD
- 733951
- Website
- WWW.CSBANC.COM →
- Parent Holding Company
- CSB BANCSHARES, INC. (RSSD 1067242)
- Ultimate Parent
- RSSD 2855679
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 and Trust Co., Ellsworth, Kansas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens State Bank and Trust Co., Ellsworth, Kansas's total assets ranged from $246.5M (Q3 2023) to $279.8M (Q4 2025), 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
$275.9M total assets against $263.2M; $254.7M total liabilities against $244.8M.
$168.4M net loans and leases against $160.6M; $211.4M total deposits against $199.6M.
$84.9M securities against $80.5M; $12.1M cash and balances due against $11.4M.
$3.5M total interest income against $3.3M; $1.3M total interest expense against $1.5M.
$2.2M net interest income against $1.8M.
$632K total noninterest income against $538K; $1.6M total noninterest expense against $1.5M.
$36K provision for credit losses against $24K.
$1.1M net income against $850K.
1.52% return on assets against 1.23%; 3.12% net interest margin against 2.73%.
9.74% tier 1 leverage ratio against 9.40%.
Inside the full Citizens State Bank and Trust Co., Ellsworth, Kansas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens State Bank and Trust Co., Ellsworth, Kansas rankings
Its closest position to the top of a national ranking is 1,272 of 3,611, for ROA; its furthest is 2,695 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q3 2024) to 1.52% (Q2 2026) and its net interest margin ran from 2.18% (Q4 2024) to 3.15% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.74% | 1.52% | 0.12% | 0.96% | 3.12% |
| Q1 2026 | 9.58% | 1.48% | 0.08% | 0.64% | 3.15% |
| Q4 2025 | 9.61% | 1.20% | 0.06% | 0.45% | 2.79% |
| Q3 2025 | 9.78% | 1.31% | 0.08% | 0.66% | 2.91% |
| Q2 2025 | 9.40% | 1.23% | 0.06% | 0.51% | 2.73% |
| Q1 2025 | 9.28% | 1.18% | 0.30% | 2.77% | 2.63% |
| Q4 2024 | 9.35% | 0.79% | 0.23% | 2.49% | 2.18% |
| Q3 2024 | 9.40% | 0.62% | 0.30% | 2.75% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 State Bank and Trust Co., Ellsworth, Kansas (main office) | Ellsworth , KS | 67439 | $133.6M |
| Minneapolis Branch | Minneapolis , KS | 67467 | $28.6M |
| Lincoln Branch | Lincoln , KS | 67455 | $27.7M |
| Delphos Branch | Delphos , KS | 67436 | $13.6M |
| Glasco Branch | Glasco , KS | 67445 | $7.9M |
| Hwy Bank Branch | Ellsworth , KS | 67439 | $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 |
|---|---|---|---|
| March 28, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 2015 | Structure Change | Acquired The State Bank of Delphos 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 98 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 and Trust Co., Ellsworth, Kansas
What are Citizens State Bank and Trust Co., Ellsworth, Kansas's total assets?
As of the Q2 2026 filing, Citizens State Bank and Trust Co., Ellsworth, Kansas reported total assets of $275.9 million in its FFIEC call report.
Where is Citizens State Bank and Trust Co., Ellsworth, Kansas headquartered?
It is headquartered in Ellsworth, KS, United States.
When was Citizens State Bank and Trust Co., Ellsworth, Kansas founded?
It was established in 1900, per the FDIC institution directory.
Is Citizens State Bank and Trust Co., Ellsworth, Kansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11778). 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 and Trust Co., Ellsworth, Kansas?
Citizens State Bank and Trust Co., Ellsworth, Kansas's primary federal regulator is the Federal Reserve.
How many branches does Citizens State Bank and Trust Co., Ellsworth, Kansas operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens State Bank and Trust Co., Ellsworth, Kansas's Texas Ratio?
Its Texas Ratio is 0.96% 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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