Bank Safety Analysis
Is The City State Bank Safe?
The City State Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The largest change between Q1 2026 and Q2 2026 was in return on assets, which rose 0.22 percentage points to 1.69%. The City State Bank ranks 162nd of 182 Kansas banks on leverage ratio, in the lower half at 8.92% (Q2 2026). The median for banks in the < $100M asset tier is 12.62% on leverage ratio. The City State Bank sits 3.70 points lower, at 8.92% (Q2 2026). From Q3 2023 to Q2 2026, The City State Bank's Texas ratio ranged between 0.00% (Q2 2026) and 2.27% (Q3 2023). Compared with Q2 2025, The City State Bank's noncurrent loans to total loans from 0.00% to 0.00%, Texas ratio from 1.74% to 0.00%, return on assets from 1.35% to 1.69% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (536 banks) · Industry averages as of Q2 2026.
Leverage ratio of 8.92% is within the CBLR grace band (8 to 9%) but below the 9% threshold.
Tier 1 leverage of 8.92% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 56.0% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 73.08% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 38.07% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.06% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 3 quarters
| Quarter | CET1 (%) |
|---|---|
| Q1 2024 | 15.15% |
| Q4 2023 | 15.18% |
| Q3 2023 | 14.73% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 1.74% |
| Q1 2025 | 1.81% |
| Q4 2024 | 1.88% |
| Q3 2024 | 1.84% |
| Q2 2024 | 1.96% |
| Q1 2024 | 1.98% |
| Q4 2023 | 1.98% |
| Q3 2023 | 2.27% |
The City State Bank by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 0.00% | 0.00% | 1.69% |
| Mar 31, 2026 | — | 0.00% | 0.00% | 1.46% |
| Dec 31, 2025 | — | 0.00% | 0.00% | 1.60% |
| Sep 30, 2025 | — | 0.00% | 0.00% | 1.78% |
| Jun 30, 2025 | — | 0.00% | 1.74% | 1.35% |
| Mar 31, 2025 | — | 0.00% | 1.81% | 1.11% |
| Dec 31, 2024 | — | 0.00% | 1.88% | 1.19% |
| Sep 30, 2024 | — | 0.00% | 1.84% | 0.91% |
| Jun 30, 2024 | — | 0.00% | 1.96% | 1.15% |
| Mar 31, 2024 | 15.15% | 0.00% | 1.98% | 1.09% |
| Dec 31, 2023 | 15.18% | 0.00% | 1.98% | 0.94% |
| Sep 30, 2023 | 14.73% | 0.00% | 2.27% | 0.93% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The City State Bank FDIC insured?
Yes. The City State Bank is an FDIC-insured commercial bank (FDIC Certificate #17607). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is The City State Bank well capitalized?
The City State Bank meets the regulatory capital minimum at 8.92% Community Bank Leverage Ratio but sits below the supervisory well-capitalized threshold. This places the bank in the “adequately capitalized” supervisory band.
What is The City State Bank's nonperforming loan ratio?
As of the most recent call report, The City State Bank's nonperforming loan ratio is 0.00%. Nonperforming loans at 0.00% are within industry-normal range.
What is The City State Bank's Texas Ratio?
The City State Bank's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 17607) · FFIEC NIC profile (RSSD 738657)
Explore: Full The City State Bank profile · Other banks in KS · Metric glossary · How the call report works