Citizens State Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2619.71 percentage points lower than in Q1 2026, at 440.29%. Among 182 Kansas banks, Citizens State Bank and Trust Company sits 18th from the top on return on assets, 2.21% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Citizens State Bank and Trust Company reported 2.21% on return on assets in Q2 2026, 0.96 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.83% |
| Tier 1 risk-based capital ratio | 29.83% |
| Total risk-based capital ratio | 30.80% |
| Tier 1 leverage ratio | 18.31% |
| Equity capital to assets | 18.09% |
| Tangible equity to tangible assets | 18.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.72% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 440.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.21% |
| Return on equity | 12.36% |
| Net interest margin | 4.40% |
| Efficiency ratio | 55.96% |
| Yield on earning assets | 5.15% |
| Cost of funds | 0.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.47% |
| Core deposits to total deposits | 96.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.82% |
| Securities to assets | 21.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 29.48% | 29.48% | 30.60% | 15.93% | 1.29% |
| Q4 2023 | 28.61% | 28.61% | 29.67% | 16.75% | 1.94% |
| Q1 2024 | 30.36% | 30.36% | 31.47% | 17.43% | 1.71% |
| Q2 2024 | 30.43% | 30.43% | 31.52% | 18.68% | 1.69% |
| Q3 2024 | 30.95% | 30.95% | 32.05% | 18.90% | 2.06% |
| Q4 2024 | 30.46% | 30.46% | 31.53% | 18.52% | 2.43% |
| Q1 2025 | 30.53% | 30.53% | 31.60% | 17.90% | 2.04% |
| Q2 2025 | 28.93% | 28.93% | 29.93% | 17.97% | 2.23% |
| Q3 2025 | 28.69% | 28.69% | 29.66% | 18.34% | 2.17% |
| Q4 2025 | 29.01% | 29.01% | 29.96% | 17.88% | 2.65% |
| Q1 2026 | 30.47% | 30.47% | 31.48% | 17.86% | 1.99% |
| Q2 2026 | 29.83% | 29.83% | 30.80% | 18.31% | 2.21% |
Citizens State Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5830) · FFIEC NIC profile (RSSD 678557)