Citizens Bank of Kansas: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Kingman, KS, Citizens Bank of Kansas serves its local market as an FDIC-insured commercial bank. Citizens Bank of Kansas's Q2 2026 balance sheet shows $548M in assets funded primarily by $499M in customer deposits. Profitability tracks the broader industry: ROA 1.01%, ROE 18.14%, NIM 3.27%. Capital cushions are healthy: 15.01% CET1, 8.53% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.02%. Citizens Bank of Kansas operates a 11-branch network.
As of June 30, 2026, Citizens Bank of Kansas reported a CET1 capital ratio of 15.01%, a return on assets of 1.01%, a nonperforming-loan ratio of 0.02%, a Texas ratio of 0.99%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 300 N Main St, Kingman, KS 67068
- County
- Kingman
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 14, 1886
- Former names
- Citizens Bank of Kansas, National Association (1994-2013)
- Offices
- 11 domestic
- Employees (FTE)
- 96
- Domestic deposits
- $498.6M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $575.5M
- Average total loans
- $234.0M
- Average interest-bearing deposits
- $387.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4707
- Fed RSSD
- 1014853
- Website
- www.citizensbankofkansas.com →
- Parent Holding Company
- KING BANCSHARES, INC. (RSSD 1061987)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Bank of Kansas terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Bank of Kansas, freeCitizens Bank of Kansas rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.01% | 1.01% | 0.02% | 0.99% | 3.27% |
| Q1 2026 | 15.20% | 0.90% | 0.05% | 1.60% | 3.21% |
| Q4 2025 | 14.93% | 0.74% | 0.03% | 1.07% | 3.27% |
| Q3 2025 | 15.05% | 0.85% | 0.04% | 1.38% | 3.20% |
| Q2 2025 | 14.49% | 0.90% | 0.05% | 3.03% | 3.14% |
| Q1 2025 | 14.47% | 0.71% | 0.11% | 2.59% | 3.02% |
| Q4 2024 | 14.28% | 0.70% | 0.04% | 3.24% | 2.94% |
| Q3 2024 | 14.66% | 0.54% | 0.07% | 1.80% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Buckner Branch | Derby , KS | 67037 | $99.4M |
| Citizens Bank of Kansas (main office) | Kingman , KS | 67068 | $91.8M |
| Medicine Lodge Branch | Medicine Lodge , KS | 67104 | $65.5M |
| West Central Branch | El Dorado , KS | 67042 | $58.8M |
| 1511 Main Branch | Winfield , KS | 67156 | $49.3M |
| Wichita Branch | Wichita , KS | 67208 | $37.1M |
| Rock Road Office | Derby , KS | 67037 | $33.4M |
| 104 West Main Branch | Pretty Prairie , KS | 67570 | $25.8M |
| Augusta Branch | Augusta , KS | 67010 | $18.8M |
| Wichita Branch | Wichita , KS | 67212 | $18.6M |
| Derby High School Branch | Derby , KS | 67037 | $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 |
|---|---|---|---|
| January 3, 2019 | Structure Change | Acquired Verus Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1998 | Structure Change | Acquired The State Bank-Pretty Prairie Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1994 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1992 | Structure Change | Acquired Kingman Savings and Loan Association Failure, Government Assistance Provided 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
What the public regulatory sources show for Citizens Bank of Kansas, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- August 19, 2004, OCC: Formal Agreement: Citizens Bank of Kansas, National Association
- Period: Most recent institution action August 19, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in KS, rank 45 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 168 applications, 122 loans originated, $27.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens Bank of Kansas
What are Citizens Bank of Kansas's total assets?
As of the Q2 2026 filing, Citizens Bank of Kansas reported total assets of $548.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank of Kansas headquartered?
Citizens Bank of Kansas is headquartered in Kingman, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank of Kansas founded?
Citizens Bank of Kansas was established in 1886, per the FDIC institution directory.
Is Citizens Bank of Kansas FDIC-insured?
Yes. Citizens Bank of Kansas is an FDIC-insured commercial bank (FDIC Certificate #4707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Kansas?
Citizens Bank of Kansas's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank of Kansas's CET1 capital ratio?
Citizens Bank of Kansas reported a Common Equity Tier 1 (CET1) capital ratio of 15.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank of Kansas operate?
Citizens Bank of Kansas operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of Kansas's Texas Ratio?
Citizens Bank of Kansas's Texas Ratio is 0.99% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citizens Bank of Kansas previously called?
The charter now named Citizens Bank of Kansas has also operated as Citizens Bank of Kansas, National Association (1994-2013), per FDIC structure-change records.
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