The Citizens State Bank (Marysville, 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 Marysville, KS, established in 1907 (FDIC certificate 14269), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $442.4M, up 6.0% from Q2 2025, the 50th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.76% 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
- 14269
- Headquarters
- Marysville, KS
- Established
- 1907
- Total assets, Q2 2026
- $442.4M
- Assets vs Q2 2025
- +6.0%
- Tier 1 leverage ratio, Q2 2026
- 9.76%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101102331
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens State Bank call report
- Holding company
- COMMUNITY BANCSHARES OF MARYSVILLE, INC.
- Asset rank in state
- 50th of 182 in Kansas
Problem loans are rising at The Citizens State Bank. It reported $442 million in assets at June 30, 2026, up 6.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.28% of loans from 0.03% a year earlier. It returns 26.3% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.6 million equal 23% of Tier 1 capital, down from 28% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.9% of the capital and reserves that would absorb them, 4.5 times the median of 2.6% for banks its size.
As of June 30, 2026, The Citizens State Bank reported a return on assets of 2.06%, a nonperforming-loan ratio of 1.28% and a Texas ratio of 11.94%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Citizens State Bank is the 50th largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $442.4M, loans rose 4.2% and deposits fell 0.3%. Agricultural production loans made up 26.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.0%. The FDIC Summary of Deposits lists 4 offices for it, in Marysville, KS, Hanover, KS and Waterville, KS; its Marysville 2 offices book 75% of its branch deposits. Judged on its Q2 2026 call report, The Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 800 Broadway, Marysville, KS 66508
- County
- Marshall
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 10, 1907
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $381.2M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $437.7M
- Average total loans
- $344.4M
- Average interest-bearing deposits
- $330.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 19, 1934
- FDIC Cert
- 14269
- Fed RSSD
- 572459
- Website
- www.csbmarysville.com →
- Parent Holding Company
- COMMUNITY BANCSHARES OF MARYSVILLE, INC. (RSSD 2180223)
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 $386.0M (Q3 2023) and a high of $442.4M (Q2 2026) 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
$442.4M total assets against $417.2M; $407.8M total liabilities against $386.0M.
$340.8M net loans and leases against $319.6M; $381.2M total deposits against $348.0M.
$74.4M securities against $68.8M; $7.2M cash and balances due against $9.4M.
$6.1M total interest income against $5.8M; $2.1M total interest expense against $2.2M.
$4.0M net interest income against $3.6M.
$195K total noninterest income against $167K; $1.5M total noninterest expense against $1.5M.
$25K provision for credit losses against $75K.
$2.3M net income against $2.2M.
2.06% return on assets against 2.12%; 3.76% net interest margin against 3.55%.
9.76% tier 1 leverage ratio against 10.06%.
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 96 of 3,606, for efficiency ratio; its furthest is 1,931 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.74% (Q4 2025) to 2.61% (Q1 2025) and its net interest margin ran from 3.42% (Q3 2025) to 3.76% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.76% | 2.06% | 1.28% | 11.94% | 3.76% |
| Q1 2026 | 9.79% | 2.17% | 1.42% | 12.86% | 3.61% |
| Q4 2025 | 9.91% | 1.74% | 1.39% | 12.64% | 3.55% |
| Q3 2025 | 9.91% | 1.84% | 1.34% | 12.15% | 3.42% |
| Q2 2025 | 10.06% | 2.12% | 0.03% | 0.32% | 3.55% |
| Q1 2025 | 9.95% | 2.61% | 0.11% | 1.03% | 3.56% |
| Q4 2024 | 9.83% | 1.76% | 0.02% | 0.23% | 3.47% |
| Q3 2024 | 9.98% | 2.05% | 0.05% | 0.47% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 | Marysville , KS | 66508 | $284.7M |
| Community Branch | Hanover , KS | 66945 | $66.1M |
| Waterville Branch | Waterville , KS | 66548 | $30.4M |
| Marysville Branch | Marysville , KS | 66508 | $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 2, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1996 | Structure Change | Acquired Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 11, 1994 | Structure Change | Acquired The Citizens State Bank of Waterville 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 63 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $163K approved, $82K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 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 $442.4 million in its FFIEC call report.
Where is The Citizens State Bank headquartered?
It is headquartered in Marysville, KS, United States.
When was The Citizens State Bank founded?
It was established in 1907, per the FDIC institution directory.
Is The Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14269). 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 4 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 11.94% 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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