The Citizens State Bank and Trust Company

The Citizens State Bank and Trust Company is one of the more profitable banks of its size. Based in Council Grove, Kansas, it had $96 million in assets at June 30, 2026, up 14.8% from a year earlier. It returns 24.4% a year on shareholders' equity, about triple the median of 8.6% for the 533 banks with less than $100 million in assets. It also keeps 5.22 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.91 cents). Much of that comes from cost control: it spends about 55 cents to bring in each dollar of revenue.

Net income for the quarter rose 16% from a year earlier, to $472,000. Delinquency has appeared in its $9.4 million commercial and industrial book: 0.93% of those loans are past due or on nonaccrual, against almost none a year earlier. Where it has less room is capital: it holds common equity equal to 9.97% of its risk-weighted assets, about half the median of 20.80% for banks its size.

As of June 30, 2026, The Citizens State Bank and Trust Company reported a CET1 capital ratio of 9.97%, a return on assets of 2.05%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.97%. The figures come from its call report filed with the FFIEC.