Citizens Bank
Butler, MO
IDRSSD: 97457
Total Assets
$187.78M
Latest filing
Total Deposits
$170.05M
Latest filing
Net Interest Margin
6.76%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank
19 S Orange St
Butler, MO 64730
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/04/1926FDIC Certificate 15764
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens Bank (Main) | 19 S Orange St | Butler, MO |
| LIBERAL BRANCH | 121 S Main St | Liberal, MO |
| HUME BANK BRANCH | 2nd & Main Street | Hume, MO |
| BANK OF MINDEN BRANCH | 601 Main St | Mindenmines, MO |
| ROCKVILLE FACILITY BRANCH | Fifth & Osage Avenue | Rockville, MO |
| CLEVELAND BRANCH | 306 E Main St | Cleveland, MO |
| CITIZENS BANK - ADRIAN BRANCH | 105 S Old Highway 71 | Adrian, MO |
| DREXEL BRANCH | 218 S 2nd St | Drexel, MO |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/04/1926 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64730 |
| State and County Number | 29013 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Kansas City, MO-KS |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/27/1978 |
| Primary Insurance Agency | DIF |
| Website | WWW.CITIZENSBANK.WS |
| Data Updated | 11/14/2025 |
| CERT | 22601 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $187.78M |
| Total Deposits | $170.05M |
| Total Liabilities | $170.80M |
| Total Equity Capital | $16.98M |
| Net Income | $1.30M |
| Net Loans and Leases | $160.12M |
| Assets Per Employee ($Millions) | $4.17M |
| Bank Premises and Fixed Assets | $5.98M |
| Cash and Balances due from Depository Institutions | $12.46M |
| Deposits Held in Domestic Offices | $170.05M |
Key Performance Ratios
| Return on Assets (ROA) | 2.76% |
| Return on Equity (ROE) | 30.1% |
| Net Interest Margin | 6.76% |
| Efficiency Ratio | 55.77% |
| Tier 1 Risk-Based Capital Ratio | 11.098% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.041% |
| Earning Assets to total Assets | 90% |
Income and Expense
| Total Interest Income | $3.39M |
| Total Noninterest Income | $179.00k |
| Total Interest Expense | $519.00k |
| Total Noninterest Expense | $1.72M |
| Net Interest Income | $2.87M |
| Pre-tax Net Operating Income | $1.30M |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $61.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $757.00k |
| Total Liabilities and Capital | $187.78M |
Securities
| Securities | $3.44M |
| Available-for-sale debt securities | $3.44M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank?
$187.78M as of the latest filing.
How much are Citizens Bank's total deposits?
$170.05M in total deposits.
Where is Citizens Bank located?
Butler, MO.
What is the Net Interest Margin?
6.76%.
How many domestic offices does it operate?
10.
When was it established?
01/04/1926.
What is the Return on Assets (ROA)?
2.76%.
How much are total loans and leases?
$160.12M (latest filing).
What is the total interest income (latest filing)?
$3.39M.