The Citizens State Bank
Gridley, KS
IDRSSD: 858854
Total Assets
$334.97M
Latest filing
Total Deposits
$295.73M
Latest filing
Net Interest Margin
4.70%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens State Bank
410 Main St
Gridley, KS 66852
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1911FDIC Certificate 9486
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Citizens State Bank (Main) | 410 Main St | Gridley, KS |
| NEW STRAWN BRANCH | 407 Arrowhead Dr | New Strawn, KS |
| MADISON BRANCH | 3rd Street And Madison Avenue | Madison, KS |
| BURLINGTON BRANCH | 428 Neosho St | Burlington, KS |
| COTTONWOOD FALLS BRANCH | 235 Broadway St | Cottonwood Falls, KS |
| HAMILTON BRANCH | 32 E Main St | Hamilton, KS |
| LEROY BRANCH | 601 N Main St | Le Roy, KS |
| LYNDON BRANCH | 1400 Topeka Ave | Lyndon, KS |
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 | 01/01/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66852 |
| State and County Number | 20031 |
| Subchapter S Corporations | No |
| 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 | N/A |
Operational Info
| Number of Employees | 53 |
| 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 | 05/01/1935 |
| Primary Insurance Agency | DIF |
| Website | www.bankcsb.bank |
| Data Updated | 01/30/2026 |
| CERT | 15111 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $334.97M |
| Total Deposits | $295.73M |
| Total Liabilities | $298.05M |
| Total Equity Capital | $36.92M |
| Net Income | $1.25M |
| Net Loans and Leases | $193.34M |
| Assets Per Employee ($Millions) | $6.2M |
| Bank Premises and Fixed Assets | $2.62M |
| Cash and Balances due from Depository Institutions | $26.81M |
| Deposits Held in Domestic Offices | $295.73M |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 13.75% |
| Net Interest Margin | 4.7% |
| Efficiency Ratio | 59.55% |
| 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 | 11.022% |
| Earning Assets to total Assets | 92.2% |
Income and Expense
| Total Interest Income | $4.42M |
| Total Noninterest Income | $497.00k |
| Total Interest Expense | $850.00k |
| Total Noninterest Expense | $2.48M |
| Net Interest Income | $3.56M |
| Pre-tax Net Operating Income | $1.58M |
| Provision for Credit Losses | $0 |
| 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 | $925.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $31.50M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.39M |
| Total Liabilities and Capital | $334.97M |
Securities
| Securities | $68.48M |
| Available-for-sale debt securities | $68.39M |
| 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 The Citizens State Bank?
$334.97M as of the latest filing.
How much are The Citizens State Bank's total deposits?
$295.73M in total deposits.
Where is The Citizens State Bank located?
Gridley, KS.
What is the Net Interest Margin?
4.70%.
How many domestic offices does it operate?
10.
When was it established?
01/01/1911.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$193.34M (latest filing).
What is the total interest income (latest filing)?
$4.42M.