The Citizens State Bank (Moundridge, KS)
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Data as of · sourced from FFIEC call reports. How we update
The Citizens State Bank is an FDIC-insured commercial bank headquartered in Moundridge, KS, established in 1904 (FDIC certificate 17672), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $450.6M, up 6.2% from Q2 2025, the 48th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.45% 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
- 17672
- Headquarters
- Moundridge, KS
- Established
- 1904
- Total assets, Q2 2026
- $450.6M
- Assets vs Q2 2025
- +6.2%
- Tier 1 leverage ratio, Q2 2026
- 14.45%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 101105079
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens State Bank call report
- Holding company
- BON, INC.
- Asset rank in state
- 48th of 182 in Kansas
The Citizens State Bank, based in Moundridge, Kansas, reported $451 million in assets at June 30, 2026, up 6.2% from a year earlier. It pays an average of 0.79% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.7% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $1.8 million, 44% above the same quarter a year earlier. Over the same year, loans shrank 4.7% and deposits grew 4.9%.
As of June 30, 2026, The Citizens State Bank reported a return on assets of 1.62%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.04%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, The Citizens State Bank is the 48th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $450.6M, loans rose 0.1% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 41.6% of total loans, ahead of agricultural production loans at 25.4%. The FDIC Summary of Deposits lists 9 offices for it, in 6 cities in KS; its Moundridge office books 27% of its branch deposits. On its Q2 2026 call report, The Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Christian Ave, Moundridge, KS 67107
- County
- Mcpherson
- Metro Area
- McPherson, KS
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 1, 1904
- Former names
- The Citizens State Bank (1976)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 87
- Domestic deposits
- $382.3M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $451.2M
- Average total loans
- $219.5M
- Average interest-bearing deposits
- $294.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 27, 1956
- FDIC Cert
- 17672
- Fed RSSD
- 273550
- Website
- www.thecsb.com →
- Parent Holding Company
- BON, INC. (RSSD 1063039)
- Ultimate Parent
- GOERING MANAGEMENT COMPANY, LLC (RSSD 2961226)
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, The Citizens State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Citizens State Bank's total assets moved between a low of $424.2M (Q2 2025) and a high of $453.1M (Q3 2023) 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
$450.6M total assets against $424.2M; $392.0M total liabilities against $372.6M.
$220.9M net loans and leases against $231.9M; $382.3M total deposits against $364.3M.
$182.9M securities against $143.7M; $14.9M cash and balances due against $16.6M.
$5.3M total interest income against $4.7M; $771K total interest expense against $787K.
$4.5M net interest income against $4.0M.
$556K total noninterest income against $559K; $2.9M total noninterest expense against $3.0M.
No provision recorded in the last 12 quarters.
$1.8M net income against $1.3M.
1.62% return on assets against 1.18%; 4.15% net interest margin against 3.81%.
14.45% tier 1 leverage ratio against 14.13%.
Inside the full The Citizens State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens State Bank rankings
Its closest position to the top of a national ranking is 1,064 of 3,611, for ROA; its furthest is 3,300 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.18% (Q2 2025) to 1.85% (Q4 2025) and its net interest margin ran from 3.81% (Q2 2025) to 4.15% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.45% | 1.62% | 0.01% | 0.04% | 4.15% |
| Q1 2026 | 14.24% | 1.73% | 0.02% | 0.08% | 3.92% |
| Q4 2025 | 14.04% | 1.85% | 0.18% | 0.73% | 3.93% |
| Q3 2025 | 14.12% | 1.42% | 0.15% | 0.63% | 3.95% |
| Q2 2025 | 14.13% | 1.18% | 0.22% | 0.99% | 3.81% |
| Q1 2025 | 13.85% | 1.25% | 0.16% | 0.77% | 3.88% |
| Q4 2024 | 13.62% | 1.70% | 0.13% | 0.66% | 3.82% |
| Q3 2024 | 13.65% | 1.46% | 0.08% | 0.36% | 4.02% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| The Citizens State Bank | Moundridge , KS | 67107 | $102.0M |
| Hesston Branch | Hesston , KS | 67062 | $93.7M |
| Mcpherson Main Branch | Mcpherson , KS | 67460 | $91.3M |
| Newton South Branch | Newton , KS | 67114 | $35.2M |
| Goessel Branch | Goessel , KS | 67053 | $23.4M |
| Canton Branch | Canton , KS | 67428 | $20.2M |
| Newton North Branch | Newton , KS | 67114 | $16.5M |
| Mcpherson East Branch | Mcpherson , KS | 67460 | $0 |
| Mcpherson North Branch | Mcpherson , KS | 67460 | $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 |
|---|---|---|---|
| July 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2013 | Structure Change | Acquired Home State Bank & Trust Co. of McPherson, Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 1998 | Structure Change | Acquired The Hesston State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 1995 | Structure Change | Acquired The Farmers State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 10, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 10, 1994 | Structure Change | Acquired Wheatland Bank of Goessel 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 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 62 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 91 applications, 80 loans originated, $14.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $240K approved, $240K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Citizens State Bank
What are The Citizens State Bank's total assets?
As of the Q2 2026 filing, The Citizens State Bank reported total assets of $450.6 million in its FFIEC call report.
Where is The Citizens State Bank headquartered?
It is headquartered in Moundridge, KS, United States.
When was The Citizens State Bank founded?
It was established in 1904, per the FDIC institution directory.
Is The Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens State Bank?
The Citizens State Bank's primary federal regulator is the FDIC.
How many branches does The Citizens State Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens State Bank's Texas Ratio?
Its Texas Ratio is 0.04% 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.
What was The Citizens State Bank previously called?
The charter now named The Citizens State Bank has also operated as The Citizens State Bank (1976), per FDIC structure-change records.
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