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The Citizens State Bank

Hugoton, KS
IDRSSD: 937759
Total Assets
$130.07M
Latest filing
Total Deposits
$108.92M
Latest filing
Net Interest Margin
3.60%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date04/01/1913
Community BankYes
Ownership TypeNot Mutual
ZIP67951
State and County Number20189
Subchapter S CorporationsNo
Trust PowersLimited Trust Powers Granted
Federal Reserve ID Number10
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees22
Domestic Offices1
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance08/22/1935
Primary Insurance AgencyDIF
Websitewww.csbks.com
Data Updated11/14/2025
CERT15261
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$130.07M
Total Deposits$108.92M
Total Liabilities$112.13M
Total Equity Capital$17.94M
Net Income$233.00k
Net Loans and Leases$78.01M
Assets Per Employee ($Millions)$6.19M
Bank Premises and Fixed Assets$948.00k
Cash and Balances due from Depository Institutions$4.19M
Deposits Held in Domestic Offices$108.92M

Key Performance Ratios

Return on Assets (ROA)0.71%
Return on Equity (ROE)5.27%
Net Interest Margin3.6%
Efficiency Ratio64.75%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.29%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.794%
Earning Assets to total Assets93.37%

Income and Expense

Total Interest Income$1.67M
Total Noninterest Income$54.00k
Total Interest Expense$563.00k
Total Noninterest Expense$753.00k
Net Interest Income$1.11M
Pre-tax Net Operating Income$317.00k
Provision for Credit Losses$93.00k
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$2.50M
Federal Funds Sold & Reverse Repurchase Agreement$78.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$704.00k
Total Liabilities and Capital$130.07M

Securities

Securities$42.60M
Available-for-sale debt securities$42.60M
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?
$130.07M as of the latest filing.
How much are The Citizens State Bank's total deposits?
$108.92M in total deposits.
Where is The Citizens State Bank located?
Hugoton, KS.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
1.
When was it established?
04/01/1913.
What is the Return on Assets (ROA)?
0.71%.
How much are total loans and leases?
$78.01M (latest filing).
What is the total interest income (latest filing)?
$1.67M.