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	11/14/2025
CERT	11778
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$263.72M
Total Deposits	$194.64M
Total Liabilities	$243.92M
Total Equity Capital	$19.80M
Net Income	$890.00k
Net Loans and Leases	$164.80M
Assets Per Employee ($Millions)	$5.49M
Bank Premises and Fixed Assets	$2.06M
Cash and Balances due from Depository Institutions	$7.30M
Deposits Held in Domestic Offices	$194.64M

Return on Assets (ROA)	1.35%
Return on Equity (ROE)	18.66%
Net Interest Margin	3.06%
Efficiency Ratio	61.8%
Tier 1 Risk-Based Capital Ratio	16.99%
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	7.508%
Earning Assets to total Assets	94.85%

Total Interest Income	$3.32M
Total Noninterest Income	$566.00k
Total Interest Expense	$1.41M
Total Noninterest Expense	$1.53M
Net Interest Income	$1.92M
Pre-tax Net Operating Income	$916.00k
Provision for Credit Losses	$32.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$48.50M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$785.00k
Total Liabilities and Capital	$263.72M

Securities	$80.55M
Available-for-sale debt securities	$80.55M
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

What are the total assets of Citizens State Bank and Trust Co., Ellsworth, Kansas?

$263.72M as of the latest filing.

How much are Citizens State Bank and Trust Co., Ellsworth, Kansas's total deposits?

$194.64M in total deposits.

Where is Citizens State Bank and Trust Co., Ellsworth, Kansas located?

Ellsworth, KS.

What is the Net Interest Margin?

3.06%.

How many domestic offices does it operate?

When was it established?

05/31/1900.

What is the Return on Assets (ROA)?

1.35%.

How much are total loans and leases?

$164.80M (latest filing).

What is the total interest income (latest filing)?

$3.32M.