The Citizens State Bank
Moundridge, KS
IDRSSD: 273550
Total Assets
$441.09M
Latest filing
Total Deposits
$378.06M
Latest filing
Net Interest Margin
4.19%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens State Bank
201 S Christian Ave
Moundridge, KS 67107
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/01/1904FDIC Certificate 11637
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Citizens State Bank (Main) | 201 S Christian Ave | Moundridge, KS |
| HESSTON BRANCH | 201 N Main St | Hesston, KS |
| CANTON BRANCH | 110 N Main St | Canton, KS |
| GOESSEL BRANCH | 600 E Main St | Goessel, KS |
| MCPHERSON NORTH BRANCH | 1300 N Main St | Mcpherson, KS |
| MCPHERSON EAST BRANCH | 104 S. Centennial Drive | Mcpherson, KS |
| NEWTON SOUTH BRANCH | 2315 S Kansas Rd | Newton, KS |
| NEWTON NORTH BRANCH | 1225 N Main St | Newton, KS |
Showing 7 of 8
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 | 08/01/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67107 |
| State and County Number | 20113 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | McPherson, KS |
Operational Info
| Number of Employees | 93 |
| Domestic Offices | 9 |
| 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 | 09/27/1956 |
| Primary Insurance Agency | DIF |
| Website | www.thecsb.com |
| Data Updated | 11/14/2025 |
| CERT | 17672 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $441.09M |
| Total Deposits | $378.06M |
| Total Liabilities | $386.56M |
| Total Equity Capital | $54.53M |
| Net Income | $1.55M |
| Net Loans and Leases | $226.28M |
| Assets Per Employee ($Millions) | $4.69M |
| Bank Premises and Fixed Assets | $3.49M |
| Cash and Balances due from Depository Institutions | $21.00M |
| Deposits Held in Domestic Offices | $378.06M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 11.68% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 60.94% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 12.362% |
| Earning Assets to total Assets | 91.92% |
Income and Expense
| Total Interest Income | $4.93M |
| Total Noninterest Income | $695.00k |
| Total Interest Expense | $795.00k |
| Total Noninterest Expense | $2.95M |
| Net Interest Income | $4.14M |
| Pre-tax Net Operating Income | $1.89M |
| 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 | $3.79M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.73M |
| Federal Funds Purchased and Repurchased Agreement | $2.01M |
| All Other Liabilities | $2.71M |
| Total Liabilities and Capital | $441.09M |
Securities
| Securities | $159.61M |
| Available-for-sale debt securities | $159.55M |
| 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 |
Frequently Asked Questions
What are the total assets of The Citizens State Bank?
$441.09M as of the latest filing.
How much are The Citizens State Bank's total deposits?
$378.06M in total deposits.
Where is The Citizens State Bank located?
Moundridge, KS.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
9.
When was it established?
08/01/1904.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$226.28M (latest filing).
What is the total interest income (latest filing)?
$4.93M.