Citizens State Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank and Trust Company is an FDIC-insured commercial bank headquartered in Hiawatha, KS, established in 1907 (FDIC certificate 5830), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $103.6M, up 3.1% from Q2 2025, the 135th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 29.83% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5830
- Headquarters
- Hiawatha, KS
- Established
- 1907
- Total assets, Q2 2026
- $103.6M
- Assets vs Q2 2025
- +3.1%
- CET1 ratio, Q2 2026
- 29.83%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101101976
- Latest call report
- Q2 2026, FFIEC 041 · Citizens State Bank and Trust Company call report
- Holding company
- CROSSDALE, INC.
- Asset rank in state
- 135th of 182 in Kansas
Citizens State Bank and Trust Company is one of the more profitable banks of its size. It reported $104 million in assets at June 30, 2026, up 3.1% from a year earlier. It earns about $2.21 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also pays an average of 0.88% on its deposits and borrowings, about half the median of 1.80% for banks its size.
As of June 30, 2026, Citizens State Bank and Trust Company reported a CET1 capital ratio of 29.83%, a return on assets of 2.21%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 0.72%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens State Bank and Trust Company is the 135th largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets fell 2.3% to $103.6M, loans rose 4.7% and deposits fell 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.5% of total loans, followed by farmland and other real estate loans at 29.4%. The FDIC Summary of Deposits lists 2 offices for it, in Hiawatha, KS. On its Q2 2026 call report, Citizens State Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 610 Oregon St, Hiawatha, KS 66434
- County
- Brown
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- January 1, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $79.6M
- Allowance for credit losses
- $612K
- Net charge-offs (YTD)
- $0
- Average total assets
- $104.0M
- Average total loans
- $64.0M
- Average interest-bearing deposits
- $61.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5830
- Fed RSSD
- 678557
- Website
- www.csbkansas.com →
- Parent Holding Company
- CROSSDALE, INC. (RSSD 1051951)
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
From Q3 2023 to Q2 2026, Citizens State Bank and Trust Company's total assets ranged from $92.6M (Q3 2024) to $106.0M (Q1 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
$103.6M total assets against $100.5M; $84.9M total liabilities against $83.0M.
$65.0M net loans and leases against $64.4M; $79.6M total deposits against $76.6M.
$22.7M securities against $25.3M; $13.8M cash and balances due against $8.8M.
$1.3M total interest income against $1.3M; $188K total interest expense against $148K.
$1.1M net interest income against $1.1M.
$229K total noninterest income against $188K; $751K total noninterest expense against $713K.
No provision recorded in the last 12 quarters.
$575K net income against $564K.
2.21% return on assets against 2.23%; 4.40% net interest margin against 4.52%.
29.83% CET1 capital ratio against 28.93%; 18.31% tier 1 leverage ratio against 17.97%.
Inside the full Citizens State Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens State Bank and Trust Company rankings
Its closest position to the top of a national ranking is 83 of 2,134, for CET1 ratio; its furthest is 3,643 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.99% (Q1 2026) to 2.65% (Q4 2025) and its net interest margin ran from 4.30% (Q1 2026) to 4.62% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.83% | 2.21% | 0.21% | 0.72% | 4.40% |
| Q1 2026 | 30.47% | 1.99% | 0.03% | 0.10% | 4.30% |
| Q4 2025 | 29.01% | 2.65% | 0.00% | 0.00% | 4.39% |
| Q3 2025 | 28.69% | 2.17% | 0.01% | 0.05% | 4.62% |
| Q2 2025 | 28.93% | 2.23% | 0.00% | 0.00% | 4.52% |
| Q1 2025 | 30.53% | 2.04% | 0.02% | 0.06% | 4.45% |
| Q4 2024 | 30.46% | 2.43% | 0.00% | 0.00% | 4.45% |
| Q3 2024 | 30.95% | 2.06% | 0.00% | 0.00% | 4.50% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Company (main office) | Hiawatha , KS | 66434 | $79.6M |
| Garden Branch | Hiawatha , KS | 66434 | $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 |
|---|---|---|---|
| September 16, 1972 | Structure Change | Acquired Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 1972 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action March 28, 1995. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KS, rank 169 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $85K approved, $85K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Company
What are Citizens State Bank and Trust Company's total assets?
As of the Q2 2026 filing, Citizens State Bank and Trust Company reported total assets of $103.6 million in its FFIEC call report.
Where is Citizens State Bank and Trust Company headquartered?
It is headquartered in Hiawatha, KS, United States.
When was Citizens State Bank and Trust Company founded?
It was established in 1907, per the FDIC institution directory.
Is Citizens State Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5830). 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 Company?
Citizens State Bank and Trust Company's primary federal regulator is the FDIC.
What is Citizens State Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens State Bank and Trust Company operate?
It operates 2 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 Company's Texas Ratio?
Its Texas Ratio is 0.72% 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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