The Citizens State Bank
Hugoton, KS
IDRSSD: 937759
Total Assets
$139.28M
Latest filing
Total Deposits
$120.21M
Latest filing
Net Interest Margin
3.68%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens State Bank
601 S Main St
Hugoton, KS 67951
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/01/1913FDIC Certificate 9608
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The Citizens State Bank (Main) | 601 S Main St | Hugoton, KS | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Elk State Bank
Clyde, Kansas
→
Assets: $132.99MΔ +2.2%
Conway Bank
Conway Springs, Kansas
→
Assets: $125.74MΔ -3.3%
The Wilson State Bank
Wilson, Kansas
→
Assets: $121.98MΔ -6.2%
The Riley State Bank of Riley, Kansas
Riley, Kansas
→
Assets: $121.97MΔ -6.2%
Community Bank of Wichita, Inc.
Wichita, Kansas
→
Assets: $121.73MΔ -6.4%
First Commerce Bank
Marysville, Kansas
→
Assets: $139.74MΔ +7.4%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 67951 |
| State and County Number | 20189 |
| Subchapter S Corporations | No |
| Trust Powers | Limited 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 | N/A |
Operational Info
| Number of Employees | 21 |
| Domestic Offices | 1 |
| 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 | 08/22/1935 |
| Primary Insurance Agency | DIF |
| Website | www.csbks.com |
| Data Updated | 01/30/2026 |
| CERT | 15261 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $139.28M |
| Total Deposits | $120.21M |
| Total Liabilities | $121.42M |
| Total Equity Capital | $17.86M |
| Net Income | $407.00k |
| Net Loans and Leases | $77.76M |
| Assets Per Employee ($Millions) | $6.63M |
| Bank Premises and Fixed Assets | $1.12M |
| Cash and Balances due from Depository Institutions | $13.70M |
| Deposits Held in Domestic Offices | $120.21M |
Key Performance Ratios
| Return on Assets (ROA) | 1.21% |
| Return on Equity (ROE) | 9.09% |
| Net Interest Margin | 3.68% |
| Efficiency Ratio | 58.11% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.822% |
| Earning Assets to total Assets | 94.18% |
Income and Expense
| Total Interest Income | $1.71M |
| Total Noninterest Income | $46.00k |
| Total Interest Expense | $547.00k |
| Total Noninterest Expense | $702.00k |
| Net Interest Income | $1.16M |
| Pre-tax Net Operating Income | $470.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $80.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.21M |
| Total Liabilities and Capital | $139.28M |
Securities
| Securities | $42.59M |
| Available-for-sale debt securities | $42.59M |
| 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?
$139.28M as of the latest filing.
How much are The Citizens State Bank's total deposits?
$120.21M in total deposits.
Where is The Citizens State Bank located?
Hugoton, KS.
What is the Net Interest Margin?
3.68%.
How many domestic offices does it operate?
1.
When was it established?
04/01/1913.
What is the Return on Assets (ROA)?
1.21%.
How much are total loans and leases?
$77.76M (latest filing).
What is the total interest income (latest filing)?
$1.71M.