The Citizens National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 15.88% was down 305bps from the prior quarter. The Citizens National Bank is a locally rooted FDIC-insured community bank based in Greenleaf, KS. Returns are in line with industry norms at 1.02% ROA and 16.05% ROE; net interest margin is 3.15%. The Q2 2026 balance sheet stands at $229M in assets, including $110M in loans. Regulatory capital is solid, 15.88% CET1 and 17.13% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.00%. 7 branches make up the footprint.
As of June 30, 2026, The Citizens National Bank reported a CET1 capital ratio of 15.88%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 417 Commercial St, Greenleaf, KS 66943
- County
- Washington
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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
- January 1, 1915
- Former names
- The Citizens National Bank (1992)
- Offices
- 7 domestic
- Employees (FTE)
- 48
- Domestic deposits
- $214.7M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $239.2M
- Average total loans
- $109.3M
- Average interest-bearing deposits
- $173.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4678
- Fed RSSD
- 991555
- Website
- www.thecnb.bank →
- Parent Holding Company
- PADGETT AGENCY, INC. (RSSD 1055669)
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.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Citizens National Bank, freeThe Citizens National Bank 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 | 15.88% | 1.02% | 0.00% | 0.00% | 3.15% |
| Q1 2026 | 18.93% | 0.74% | 0.00% | 0.00% | 3.07% |
| Q4 2025 | 18.79% | 0.66% | 0.00% | 0.00% | 3.04% |
| Q3 2025 | 20.11% | 0.71% | 0.00% | 0.00% | 2.91% |
| Q2 2025 | 20.73% | 0.69% | 0.00% | 0.00% | 2.76% |
| Q1 2025 | 19.37% | 0.69% | 0.04% | 0.22% | 2.71% |
| Q4 2024 | 20.67% | 0.49% | 0.00% | 0.00% | 2.65% |
| Q3 2024 | 22.01% | 0.42% | 0.00% | 0.00% | 2.42% |
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 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cloud County Branch | Concordia , KS | 66901 | $65.9M |
| 601 North Main Street Branch | Lansing , KS | 66043 | $49.9M |
| The Citizens National Bank | Greenleaf , KS | 66943 | $37.8M |
| Belleville Branch | Belleville , KS | 66935 | $36.6M |
| The Cnb Clay Center Branch | Clay Center , KS | 67432 | $20.6M |
| Leavenworth Branch | Leavenworth , KS | 66048 | $3.8M |
| Drive-In Branch | Concordia , KS | 66901 | $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 2, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 1996 | Structure Change | Acquired The First State Bank of Lansing Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 24, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 1992 | Structure Change | Acquired Cloud County Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 1962 | Structure Change | Acquired Greenleaf State Bank 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 5 events.
Regulatory record
What the public regulatory sources show for The Citizens National Bank, 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
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 4, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KS, rank 97 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 45 applications, 41 loans originated, $5.7M originated, across 2 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 The Citizens National Bank
What are The Citizens National Bank's total assets?
As of the Q2 2026 filing, The Citizens National Bank reported total assets of $229.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Citizens National Bank headquartered?
The Citizens National Bank is headquartered in Greenleaf, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Citizens National Bank founded?
The Citizens National Bank was established in 1915, per the FDIC institution directory.
Is The Citizens National Bank FDIC-insured?
Yes. The Citizens National Bank is an FDIC-insured commercial bank (FDIC Certificate #4678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens National Bank?
The Citizens National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Citizens National Bank's CET1 capital ratio?
The Citizens National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.88% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens National Bank operate?
The Citizens National Bank operates 7 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 National Bank's Texas Ratio?
The Citizens National Bank's Texas Ratio is 0.00% 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 The Citizens National Bank previously called?
The charter now named The Citizens National Bank has also operated as The Citizens National Bank (1992), per FDIC structure-change records.
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