The Citizens State Bank and Trust Company
Council Grove, KS
IDRSSD: 442057
Total Assets
$85.12M
Latest filing
Total Deposits
$73.52M
Latest filing
Net Interest Margin
5.12%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens State Bank and Trust Company
314 Main St
Council Grove, KS 66846
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1921FDIC Certificate 9602
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens State Bank and Trust Company (Main) | 314 Main St | Council Grove, KS |
| ROXBURY BRANCH | 102 N Main St | Roxbury, KS |
| BREMEN BRANCH | 1 Brenneke Street | Bremen, KS |
| READING BRANCH | 402 First St | Reading, KS |
| GYPSUM BRANCH | 600 Maple St | Gypsum, KS |
| WOODBINE BRANCH | 1 N Broadway | Woodbine, KS |
| LOUISBURG BRANCH | 408 S Metcalf Rd | Louisburg, KS |
Showing 6 of 6
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 | 01/01/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66846 |
| State and County Number | 20127 |
| Subchapter S Corporations | Yes |
| 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 | N/A |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 7 |
| 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 | 08/15/1935 |
| Primary Insurance Agency | DIF |
| Website | extramilebank.com |
| Data Updated | 01/30/2026 |
| CERT | 15254 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $85.12M |
| Total Deposits | $73.52M |
| Total Liabilities | $78.03M |
| Total Equity Capital | $7.09M |
| Net Income | $374.00k |
| Net Loans and Leases | $71.59M |
| Assets Per Employee ($Millions) | $3.27M |
| Bank Premises and Fixed Assets | $2.61M |
| Cash and Balances due from Depository Institutions | $6.51M |
| Deposits Held in Domestic Offices | $73.52M |
Key Performance Ratios
| Return on Assets (ROA) | 1.75% |
| Return on Equity (ROE) | 21.24% |
| Net Interest Margin | 5.12% |
| Efficiency Ratio | 60.02% |
| Tier 1 Risk-Based Capital Ratio | 9.823% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.332% |
| Earning Assets to total Assets | 93.06% |
Income and Expense
| Total Interest Income | $1.53M |
| Total Noninterest Income | $28.00k |
| Total Interest Expense | $515.00k |
| Total Noninterest Expense | $632.00k |
| Net Interest Income | $1.01M |
| Pre-tax Net Operating Income | $381.00k |
| Provision for Credit Losses | $30.00k |
| 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 | $4.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.39M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $509.00k |
| Total Liabilities and Capital | $85.12M |
Securities
| Securities | $888.00k |
| Available-for-sale debt securities | $888.00k |
| 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 and Trust Company?
$85.12M as of the latest filing.
How much are The Citizens State Bank and Trust Company's total deposits?
$73.52M in total deposits.
Where is The Citizens State Bank and Trust Company located?
Council Grove, KS.
What is the Net Interest Margin?
5.12%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1921.
What is the Return on Assets (ROA)?
1.75%.
How much are total loans and leases?
$71.59M (latest filing).
What is the total interest income (latest filing)?
$1.53M.