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Citizens State Bank and Trust Co., Ellsworth, Kansas

$100M-$1B Specialty: Agricultural KS FDIC cert 11778

Ellsworth, KS

6 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +5.9% year over year ($211.4M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 1.55%.
  • Efficiency ratio 59.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

Citizens State Bank and Trust Co., Ellsworth, Kansas has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 49.2% in tier
  • + ROA 0.23% above tier average
  • + Efficiency Ratio 5.20% below tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 13.5% in tier
  • - Credit Risk Growth: Bottom 15.1% in tier
  • - Capital Thin: Bottom 31.8% in tier
  • - Net Interest Margin 0.68% below tier average
Get updates when Citizens State Bank and Trust Co., Ellsworth, Kansas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $275.9M
+4.9% YoY +0.3% QoQ
-$110.6M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $168.4M
+4.8% YoY +3.4% QoQ
-$89.9M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $211.4M
+5.9% YoY -0.4% QoQ
-$115.3M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 1.55%
+22.7% YoY +1.8% QoQ
+0.23% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
68%
Net Interest Margin ? 3.30%
+15.0% YoY +0.1% QoQ
-0.68% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 59.28%
-5.1% YoY -0.9% QoQ
-5.20% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.12%
+108.2% YoY +46.5% QoQ
-0.80% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 79.67%
-1.0% YoY +3.7% QoQ
+1.71% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 19.64%
-0.7% YoY -0.3% QoQ
-2.39% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.07%
+108.2% YoY +51.1% QoQ
-0.60% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
75%
Tier 1 Capital Ratio ? 9.74%
-42.6% YoY +1.6% QoQ
-6.17% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Bottom 7.6% in tier
Non-Interest Income / Assets ? 0.44%
+7.2% YoY +107.1% QoQ
-0.12% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Top 11.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 19.6%
-0.1pp YoY
-0.1pp QoQ
 -2.5pp 22.1% 22.3% 22.2% 44%
Brokered Deposits 4.5%
+3.3pp YoY
0.0pp QoQ
 -3.3pp 7.9% 8.7% 8.5% 48%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 3.2%
+0.3pp YoY
+0.4pp QoQ
 -8.4pp 11.6% 12.6% 12.5% 11%
CRE 7.7%
-0.1pp YoY
-1.3pp QoQ
 -31.8pp 39.5% 28.8% 41.4% 3%
1-4 Family 32.7%
+0.9pp YoY
-0.1pp QoQ
 +0.1pp 32.6% 26.7% 31.3% 57%
Consumer 4.3%
+0.2pp YoY
+0.1pp QoQ
 +0.2pp 4.1% 4.6% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 9.7%
+0.3pp YoY
+0.2pp QoQ
 -2.4pp 12.2% 12.6% 12.6% 26%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 49
+1 (+2.1%) YoY
+1 (+2.1%) QoQ
 -10 58 70 482 52%
Assets per Employee ($) $5.6M
+2.7% YoY
-1.8% QoQ
 -$1.9M $7.5M $7.1M $8.8M 25%
Branch Count 6
0 YoY
0 QoQ
 +1 4 6 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.1% -0.3pp 0.3% 0.4% 0.4% 44%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 12%
Allowance Coverage 9.99x
-51.3% YoY
-33.2% QoQ
 -14.17x 24.15x 22.44x 20.23x 82%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 20.5%
+0.3pp YoY
+0.2pp QoQ
 +8.3pp 12.2% 14.3% 11.6% 89%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
+0.1pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 68%
Net Income ($, YTD) $2.1M
+28.8% YoY
— QoQ
 -$410K $2.6M $3.7M $40.4M 55%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#326 of 661 • Top 49.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.44%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.55%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#170 of 1256 • Bottom 13.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#142 of 936 • Bottom 15.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Capital Thin

risk
#211 of 661 • Bottom 31.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.74%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

308
Non-Interest Income / Assets
revenue_mix
Value: 0.44%
Peer Median: 0.57%
#308 of 2643 Top 11.6% in $100M-$1B

Top Weaknesses (2 metrics)

2442
Tier 1 Capital Ratio
capital
Value: 9.74%
Peer Median: 15.91%
#2442 of 2643 Bottom 7.6% in $100M-$1B
2121
Net Interest Margin
profitability
Value: 3.30%
Peer Median: 3.99%
#2121 of 2643 Bottom 19.8% in $100M-$1B
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