The City State Bank
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Data as of · sourced from FFIEC call reports. How we update
The City State Bank is an FDIC-insured commercial bank headquartered in Fort Scott, KS, established in 1920 (FDIC certificate 17607), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $57.7M, up 6.4% from Q2 2025, the 160th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.92% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17607
- Headquarters
- Fort Scott, KS
- Established
- 1920
- Total assets, Q2 2026
- $57.7M
- Assets vs Q2 2025
- +6.4%
- Tier 1 leverage ratio, Q2 2026
- 8.92%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101100605
- Latest call report
- Q2 2026, FFIEC 041 · The City State Bank call report
- Holding company
- CITY BANCSHARES, INC.
- Asset rank in state
- 160th of 182 in Kansas
The City State Bank is one of the more profitable banks of its size. Based in Fort Scott, Kansas, it had $58 million in assets at June 30, 2026, up 6.4% from a year earlier. It returns 21.5% a year on shareholders' equity, 2.5 times the median of 8.6% for the 583 banks with less than $100 million in assets. On the other hand, it funds 8.92% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 13.06%). Much of that comes from cost control: it spends about 56 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $250,000, 37% above the same quarter a year earlier. Over the same year, loans grew 13.7% and deposits grew 6.2%.
As of June 30, 2026, The City State Bank reported a return on assets of 1.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The City State Bank is the 160th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $57.7M, loans rose 3.4% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.5% of total loans, ahead of farmland and other real estate loans at 34.0%. Its 2 offices in the FDIC Summary of Deposits are in Fort Scott, KS. Judged on its Q2 2026 call report, The City State Bank is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 1012 Highway 69, Fort Scott, KS 66701
- County
- Bourbon
- 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 041
- Established
- August 1, 1920
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $52.7M
- Allowance for credit losses
- $381K
- Net charge-offs (YTD)
- $0
- Average total assets
- $59.3M
- Average total loans
- $35.5M
- Average interest-bearing deposits
- $40.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 24, 1956
- FDIC Cert
- 17607
- Fed RSSD
- 738657
- Website
- www.citysb.com →
- Parent Holding Company
- CITY BANCSHARES, INC. (RSSD 1023145)
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 City State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The City State Bank's total assets ran between $52.1M (Q3 2023) and $57.7M (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
$57.7M total assets against $54.2M; $52.9M total liabilities against $50.0M.
$38.2M net loans and leases against $33.6M; $52.7M total deposits against $49.7M.
$8.4M securities against $9.4M; $8.2M cash and balances due against $8.5M.
$739K total interest income against $646K; $170K total interest expense against $158K.
$569K net interest income against $488K.
$54K total noninterest income against $54K; $354K total noninterest expense against $356K.
$12K provision for credit losses against $0.
$250K net income against $183K.
1.69% return on assets against 1.35%; 4.15% net interest margin against 3.90%.
8.92% tier 1 leverage ratio against 9.27%.
Inside the full The City State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe City State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.91% (Q3 2024) to 1.78% (Q3 2025) and its net interest margin ran from 3.39% (Q3 2024) to 4.15% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.92% | 1.69% | 0.00% | 0.00% | 4.15% |
| Q1 2026 | 9.37% | 1.46% | 0.00% | 0.00% | 4.06% |
| Q4 2025 | 9.51% | 1.60% | 0.00% | 0.00% | 4.15% |
| Q3 2025 | 9.46% | 1.78% | 0.00% | 0.00% | 3.95% |
| Q2 2025 | 9.27% | 1.35% | 0.00% | 1.74% | 3.90% |
| Q1 2025 | 9.16% | 1.11% | 0.00% | 1.81% | 3.80% |
| Q4 2024 | 9.26% | 1.19% | 0.00% | 1.88% | 3.75% |
| Q3 2024 | 9.18% | 0.91% | 0.00% | 1.84% | 3.39% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Fort Scott Branch | Fort Scott , KS | 66701 | $31.6M |
| The City State Bank | Fort Scott , KS | 66701 | $21.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 191 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $57K approved, $57K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (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 City State Bank
What are The City State Bank's total assets?
As of the Q2 2026 filing, The City State Bank reported total assets of $57.7 million in its FFIEC call report.
Where is The City State Bank headquartered?
It is headquartered in Fort Scott, KS, United States.
When was The City State Bank founded?
It was established in 1920, per the FDIC institution directory.
Is The City State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17607). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The City State Bank?
The City State Bank's primary federal regulator is the FDIC.
How many branches does The City State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The City State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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