Citizens State Bank and Trust Company
Hiawatha, KS
IDRSSD: 678557
Total Assets
$99.81M
Latest filing
Total Deposits
$74.93M
Latest filing
Net Interest Margin
4.70%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank and Trust Company
610 Oregon St
Hiawatha, KS 66434
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1907FDIC Certificate 3987
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank and Trust Company (Main) | 610 Oregon St | Hiawatha, KS |
| GARDEN BRANCH | 800 Oregon St | Hiawatha, KS |
Showing 1 of 1
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 | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66434 |
| State and County Number | 20013 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| 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 | N/A |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 2 |
| 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.csbkansas.com |
| Data Updated | 11/14/2025 |
| CERT | 5830 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $99.81M |
| Total Deposits | $74.93M |
| Total Liabilities | $81.85M |
| Total Equity Capital | $17.96M |
| Net Income | $545.00k |
| Net Loans and Leases | $64.06M |
| Assets Per Employee ($Millions) | $4.54M |
| Bank Premises and Fixed Assets | $343.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $74.93M |
Key Performance Ratios
| Return on Assets (ROA) | 2.18% |
| Return on Equity (ROE) | 12.28% |
| Net Interest Margin | 4.7% |
| Efficiency Ratio | 56.51% |
| Tier 1 Risk-Based Capital Ratio | 28.689% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.99% |
| Earning Assets to total Assets | 93.84% |
Income and Expense
| Total Interest Income | $1.28M |
| Total Noninterest Income | $187.00k |
| Total Interest Expense | $158.00k |
| Total Noninterest Expense | $738.00k |
| Net Interest Income | $1.12M |
| Pre-tax Net Operating Income | $568.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $6.67M |
| All Other Liabilities | $247.00k |
| Total Liabilities and Capital | $99.81M |
Securities
| Securities | $24.52M |
| Available-for-sale debt securities | $24.52M |
| 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 State Bank and Trust Company?
$99.81M as of the latest filing.
How much are Citizens State Bank and Trust Company's total deposits?
$74.93M in total deposits.
Where is Citizens State Bank and Trust Company located?
Hiawatha, KS.
What is the Net Interest Margin?
4.70%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
2.18%.
How much are total loans and leases?
$64.06M (latest filing).
What is the total interest income (latest filing)?
$1.28M.