The Citizens State Bank: 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: 674.51 percentage points higher than in Q1 2026, at 15513.64%. The Citizens State Bank ranks 69th of 182 Kansas banks on return on assets, in the upper half at 1.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Citizens State Bank sits 0.37 points higher, at 1.62% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.45% |
| Equity capital to assets | 13.01% |
| Tangible equity to tangible assets | 12.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.04% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 15513.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 12.70% |
| Net interest margin | 4.15% |
| Efficiency ratio | 57.36% |
| Yield on earning assets | 4.85% |
| Cost of funds | 0.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.68% |
| Core deposits to total deposits | 95.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.83% |
| Securities to assets | 40.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.03% | 1.30% | 3.66% | 1.13% | 0.02% |
| Q4 2023 | 12.76% | 2.26% | 4.43% | 0.13% | 0.00% |
| Q1 2024 | 13.07% | 1.88% | 3.87% | 0.01% | -0.16% |
| Q2 2024 | 13.43% | 1.22% | 3.69% | 0.16% | 0.01% |
| Q3 2024 | 13.65% | 1.46% | 4.02% | 0.05% | 0.00% |
| Q4 2024 | 13.62% | 1.70% | 3.82% | 0.13% | 0.01% |
| Q1 2025 | 13.85% | 1.25% | 3.88% | 0.16% | -0.00% |
| Q2 2025 | 14.13% | 1.18% | 3.81% | 0.21% | 0.01% |
| Q3 2025 | 14.12% | 1.42% | 3.95% | 0.13% | -0.02% |
| Q4 2025 | 14.04% | 1.85% | 3.93% | 0.18% | -0.00% |
| Q1 2026 | 14.24% | 1.73% | 3.92% | 0.01% | 0.00% |
| Q2 2026 | 14.45% | 1.62% | 4.15% | 0.01% | 0.00% |
The Citizens State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank, 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 The Citizens State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17672) · FFIEC NIC profile (RSSD 273550)