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	57
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	11/14/2025
CERT	15111
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$320.66M
Total Deposits	$282.66M
Total Liabilities	$285.14M
Total Equity Capital	$35.51M
Net Income	$1.49M
Net Loans and Leases	$188.95M
Assets Per Employee ($Millions)	$6.05M
Bank Premises and Fixed Assets	$2.66M
Cash and Balances due from Depository Institutions	$18.38M
Deposits Held in Domestic Offices	$282.66M

Return on Assets (ROA)	1.87%
Return on Equity (ROE)	17.29%
Net Interest Margin	4.84%
Efficiency Ratio	46.33%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.16%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	11.075%
Earning Assets to total Assets	92.92%

Total Interest Income	$4.50M
Total Noninterest Income	$394.00k
Total Interest Expense	$909.00k
Total Noninterest Expense	$1.91M
Net Interest Income	$3.59M
Pre-tax Net Operating Income	$1.94M
Provision for Credit Losses	$130.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$927.00k
Federal Funds Sold & Reverse Repurchase Agreement	$27.50M
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$1.55M
Total Liabilities and Capital	$320.66M

Securities	$70.26M
Available-for-sale debt securities	$70.16M
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

What are the total assets of The Citizens State Bank?

$320.66M as of the latest filing.

How much are The Citizens State Bank's total deposits?

$282.66M in total deposits.

Where is The Citizens State Bank located?

Gridley, KS.

What is the Net Interest Margin?

4.84%.

How many domestic offices does it operate?

10.

When was it established?

01/01/1911.

What is the Return on Assets (ROA)?

1.87%.

How much are total loans and leases?

$188.95M (latest filing).

What is the total interest income (latest filing)?

$4.50M.