The Citizens State Bank (Gridley, KS)
BankRegReports is independent of The Citizens State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Citizens State Bank is an FDIC-insured commercial bank headquartered in Gridley, KS, established in 1911 (FDIC certificate 15111), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $336.2M, up 6.1% from Q2 2025, the 63rd largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.08% 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
- 15111
- Headquarters
- Gridley, KS
- Established
- 1911
- Total assets, Q2 2026
- $336.2M
- Assets vs Q2 2025
- +6.1%
- Tier 1 leverage ratio, Q2 2026
- 12.08%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 101106379
- Holding company
- FLINT HILLS BANCSHARES, INC.
- Asset rank in state
- 63rd of 182 in Kansas
The Citizens State Bank earns an unusually wide margin on its lending. Its balance sheet stood at $336 million at June 30, 2026, up 6.1% from a year earlier; it is based in Gridley, Kansas. It keeps 4.93 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans equal to only 15% of its capital, a small fraction of the median of 1.2 times for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.47% of loans from 0.92%. The commercial and industrial book ($30 million) is worsening: 0.87% of it is past due or on nonaccrual, up from 0.35% a year earlier.
As of June 30, 2026, The Citizens State Bank reported a return on assets of 1.54%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 2.48%. The figures come from its call report filed with the FFIEC.
The Citizens State Bank ranks as the 63rd largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $336.2M, loans rose 6.4% and deposits fell 0.4%. Agricultural production loans made up 36.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 23.2%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities in KS; its Cottonwood Falls office books 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 410 Main St, Gridley, KS 66852
- County
- Coffey
- 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 1, 1911
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $294.5M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $342.1M
- Average total loans
- $216.7M
- Average interest-bearing deposits
- $207.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1935
- FDIC Cert
- 15111
- Fed RSSD
- 858854
- Website
- www.bankcsb.bank →
- Parent Holding Company
- FLINT HILLS BANCSHARES, INC. (RSSD 2111562)
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
From Q3 2023 to Q2 2026, The Citizens State Bank's total assets ranged from $297.6M (Q3 2023) to $336.8M (Q1 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
$336.2M total assets against $317.0M; $296.8M total liabilities against $283.5M.
$221.9M net loans and leases against $210.1M; $294.5M total deposits against $281.0M.
$68.6M securities against $67.2M; $29.9M cash and balances due against $23.7M.
$4.7M total interest income against $4.4M; $811K total interest expense against $902K.
$3.9M net interest income against $3.5M.
$382K total noninterest income against $368K; $2.1M total noninterest expense against $2.1M.
$500K provision for credit losses against $200K.
$1.3M net income against $1.2M.
1.54% return on assets against 1.53%; 4.93% net interest margin against 4.78%.
12.08% tier 1 leverage ratio against 11.44%.
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 576 of 3,606, for efficiency ratio; its furthest is 2,048 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.26% (Q3 2024) to 2.02% (Q1 2026) and its net interest margin ran from 4.04% (Q3 2024) to 4.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.08% | 1.54% | 0.58% | 2.48% | 4.93% |
| Q1 2026 | 11.73% | 2.02% | 0.48% | 1.85% | 4.67% |
| Q4 2025 | 11.80% | 1.53% | 0.24% | 0.53% | 4.70% |
| Q3 2025 | 11.60% | 1.86% | 0.53% | 2.04% | 4.81% |
| Q2 2025 | 11.44% | 1.53% | 1.04% | 5.49% | 4.78% |
| Q1 2025 | 10.97% | 1.77% | 1.22% | 6.53% | 4.49% |
| Q4 2024 | 10.60% | 1.36% | 0.20% | 0.54% | 4.28% |
| Q3 2024 | 10.21% | 1.26% | 0.77% | 3.68% | 4.04% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Cottonwood Falls Branch | Cottonwood Falls , KS | 66845 | $63.1M |
| The Citizens State Bank | Gridley , KS | 66852 | $37.8M |
| Burlington Branch | Burlington , KS | 66839 | $33.5M |
| Olpe Branch | Olpe , KS | 66865 | $31.9M |
| New Strawn Branch | New Strawn , KS | 66839 | $31.5M |
| Madison Branch | Madison , KS | 66860 | $29.1M |
| Lyndon Branch | Lyndon , KS | 66451 | $23.4M |
| Emporia Branch | Emporia , KS | 66801 | $17.6M |
| Leroy Branch | Le Roy , KS | 66857 | $15.5M |
| Hamilton Branch | Hamilton , KS | 66853 | $11.1M |
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 |
|---|---|---|---|
| November 6, 2021 | Structure Change | Acquired The Olpe State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 25, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 25, 2012 | Structure Change | Acquired The Exchange National Bank of Cottonwood Falls Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 2010 | Structure Change | Acquired The First National Bank of Le Roy Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 7, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 1993 | Structure Change | Acquired The First National Bank of Hamilton 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
- 0.3% of deposits in KS, rank 78 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 70 applications, 66 loans originated, $8.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (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
Add this badge to your website
Free to use. It shows The Citizens State Bank’s latest filed figures and updates each quarter.
Similar banks
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 $336.2 million in its FFIEC call report.
Where is The Citizens State Bank headquartered?
It is headquartered in Gridley, KS, United States.
When was The Citizens State Bank founded?
It was established in 1911, per the FDIC institution directory.
Is The Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15111). 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 10 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 2.48% 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.
Go deeper on The Citizens State Bank.
Get an email when The Citizens State Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Citizens State Bank, freeFree account