The City 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.
Loan-to-deposit ratio climbed 1.89 percentage points in Q2 2026, from 71.19% to 73.08%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The City State Bank is 54th of 182 on return on assets, 1.69% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, The City State Bank reported 1.69% on return on assets in Q2 2026, 0.70 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 8.92% |
| Equity capital to assets | 8.17% |
| Tangible equity to tangible assets | 8.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 21.53% |
| Net interest margin | 4.15% |
| Efficiency ratio | 55.99% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.08% |
| Core deposits to total deposits | 93.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.49% |
| Securities to assets | 14.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.73% | 14.73% | 15.82% | 8.81% | 0.93% |
| Q4 2023 | 15.18% | 15.18% | 16.29% | 8.89% | 0.94% |
| Q1 2024 | 15.15% | 15.15% | 16.25% | 8.94% | 1.09% |
| Q2 2024 | — | — | — | 9.10% | 1.15% |
| Q3 2024 | — | — | — | 9.18% | 0.91% |
| Q4 2024 | — | — | — | 9.26% | 1.19% |
| Q1 2025 | — | — | — | 9.16% | 1.11% |
| Q2 2025 | — | — | — | 9.27% | 1.35% |
| Q3 2025 | — | — | — | 9.46% | 1.78% |
| Q4 2025 | — | — | — | 9.51% | 1.60% |
| Q1 2026 | — | — | — | 9.37% | 1.46% |
| Q2 2026 | — | — | — | 8.92% | 1.69% |
The City State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The City 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 City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17607) · FFIEC NIC profile (RSSD 738657)