BlastPoint's Banking Scorecard

The Citizens State Bank and Trust Company

under $100M Specialty: Agricultural KS FDIC cert 15254

Designations: ✓ Community bank

Council Grove, KS

7 branches across KS

537 banks in the under $100M peer group nationally 47 in KS

The Citizens State Bank and Trust Company has 5 strengths but faces 1 concern

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

+ Net Interest Margin 1.26% above tier average
+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ ROA 1.02% above tier average
+ Efficiency Ratio 29.04% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 32.54% above tier average

Get updates when The Citizens State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$88.3M +11.6% YoY +3.8% QoQ	+$26.1M	$62.3M -0.5% YoY	$511.5M +7.3% YoY	$6.2B +9.0% YoY	84%
Total Loans ?	$75.1M +11.3% YoY +4.8% QoQ	+$40.8M	$34.3M -1.5% YoY	$340.0M +8.8% YoY	$3.2B +10.7% YoY	Top 2.4% in tier
Total Deposits ?	$77.7M +14.2% YoY +5.6% QoQ	+$25.8M	$51.8M -0.6% YoY	$426.3M +7.3% YoY	$4.8B +8.0% YoY	Top 13.0% in tier
Return on Assets ?	1.87% -8.0% YoY -3.4% QoQ	+1.02%	0.86% -3.6% YoY	1.43% +17.3% YoY	1.24% +13.1% YoY	Top 12.3% in tier
Net Interest Margin ?	5.13% -9.8% YoY -5.8% QoQ	+1.26%	3.87% +2.7% YoY	3.93% +4.6% YoY	3.89% +5.7% YoY	Top 7.8% in tier
Efficiency Ratio ?	58.59% -1.4% YoY -0.7% QoQ	-29.04%	87.63% +2.3% YoY	61.28% -4.6% YoY	66.84% -3.8% YoY	77%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.75% +8.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	96.65% -2.6% YoY -0.7% QoQ	+32.54%	64.11% -0.9% YoY	71.71% +1.1% YoY	76.69% +0.9% YoY	Bottom 9.5% in tier
Non-Interest-Bearing Deposit Share ?	14.81% -8.7% YoY -8.3% QoQ	-8.98%	23.79% +0.5% YoY	22.79% -1.9% YoY	22.01% -1.1% YoY	24%
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.49% +9.8% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.60% -3.6% YoY -2.3% QoQ	-17.17%	26.77% +2.0% YoY	18.00% -0.6% YoY	17.06% +0.8% YoY	Bottom 3.9% in tier
Non-Interest Income / Assets ?	0.05% -30.7% YoY -74.3% QoQ	-0.62%	0.67% +1.6% YoY	0.28% -2.0% YoY	0.32% +4.0% YoY	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Total Loans

size

Value: $75.05M

Peer Median: $34.29M

#14 of 537 Top 2.4% in under $100M

Net Interest Margin

profitability

Value: 5.13%

Peer Median: 3.87%

#43 of 537 Top 7.8% in under $100M

Return on Assets

profitability

Value: 1.87%

Peer Median: 0.86%

#67 of 537 Top 12.3% in under $100M

Total Deposits

size

Value: $77.65M

Peer Median: $51.83M

#71 of 537 Top 13.0% in under $100M

Total Assets

size

Value: $88.34M

Peer Median: $62.28M

#85 of 537 Top 15.6% in under $100M

126

Efficiency Ratio

profitability

Value: 58.59%

Peer Median: 87.63%

#126 of 537 Top 23.3% in under $100M

Top Weaknesses (3 metrics)

517

Tier 1 Capital Ratio

capital

Value: 9.60%

Peer Median: 26.77%

#517 of 537 Bottom 3.9% in under $100M

487

Loan-to-Deposit Ratio

liquidity

Value: 96.65%

Peer Median: 64.11%

#487 of 537 Bottom 9.5% in under $100M

410

Non-Interest-Bearing Deposit Share

funding

Value: 14.81%

Peer Median: 23.79%

#410 of 537 Bottom 23.8% in under $100M