Citizens State Bank and Trust Co., Ellsworth, Kansas
Ellsworth, KS
IDRSSD: 733951
Total Assets
$279.75M
Latest filing
Total Deposits
$215.57M
Latest filing
Net Interest Margin
2.92%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank and Trust Co., Ellsworth, Kansas
203 N Douglas Ave
Ellsworth, KS 67439
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/31/1900FDIC Certificate 7533
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank and Trust Co., Ellsworth, Kansas (Main) | 203 N Douglas Ave | Ellsworth, KS |
| MINNEAPOLIS BRANCH | 220 W 2nd St | Minneapolis, KS |
| HWY BANK BRANCH | 749 E 15th St | Ellsworth, KS |
| LINCOLN BRANCH | 100 W Lincoln Ave | Lincoln, KS |
| GLASCO BRANCH | 202 E Main St | Glasco, KS |
| DELPHOS BRANCH | 202 N Main St | Delphos, KS |
Showing 5 of 5
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/31/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67439 |
| State and County Number | 20053 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 48 |
| Domestic Offices | 6 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.CSBANC.COM |
| Data Updated | 01/30/2026 |
| CERT | 11778 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $279.75M |
| Total Deposits | $215.57M |
| Total Liabilities | $259.07M |
| Total Equity Capital | $20.68M |
| Net Income | $840.00k |
| Net Loans and Leases | $165.63M |
| Assets Per Employee ($Millions) | $5.83M |
| Bank Premises and Fixed Assets | $2.04M |
| Cash and Balances due from Depository Institutions | $21.34M |
| Deposits Held in Domestic Offices | $215.57M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 16.6% |
| Net Interest Margin | 2.92% |
| Efficiency Ratio | 62.82% |
| Tier 1 Risk-Based Capital Ratio | 16.898% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.394% |
| Earning Assets to total Assets | 95.14% |
Income and Expense
| Total Interest Income | $3.44M |
| Total Noninterest Income | $578.00k |
| Total Interest Expense | $1.55M |
| Total Noninterest Expense | $1.55M |
| Net Interest Income | $1.88M |
| Pre-tax Net Operating Income | $878.00k |
| Provision for Credit Losses | $36.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $42.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $998.00k |
| Total Liabilities and Capital | $279.75M |
Securities
| Securities | $82.22M |
| Available-for-sale debt securities | $82.22M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 State Bank and Trust Co., Ellsworth, Kansas?
$279.75M as of the latest filing.
How much are Citizens State Bank and Trust Co., Ellsworth, Kansas's total deposits?
$215.57M in total deposits.
Where is Citizens State Bank and Trust Co., Ellsworth, Kansas located?
Ellsworth, KS.
What is the Net Interest Margin?
2.92%.
How many domestic offices does it operate?
6.
When was it established?
05/31/1900.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$165.63M (latest filing).
What is the total interest income (latest filing)?
$3.44M.