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The Citizens State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 17672

Moundridge, KS

9 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS
View $100M-$1B leaderboard (KS) →

The Citizens State Bank demonstrates 4 strengths

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

  • + Profitability Leader: Top 39.8% in tier
  • + Net Interest Margin 0.18% above tier average
  • + Efficiency Ratio 2.88% below tier average
  • + Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Citizens State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $452.7M
+3.3% YoY +3.8% QoQ
+$66.6M $386.1M
+0.5% YoY
$509.2M
+7.2% YoY
$6.2B
+9.1% YoY
67%
Total Loans ? $220.6M
-4.2% YoY -0.8% QoQ
-$35.1M $255.7M
+1.1% YoY
$338.5M
+8.8% YoY
$3.2B
+10.8% YoY
53%
Total Deposits ? $386.6M
+1.7% YoY +4.6% QoQ
+$58.7M $328.0M
+0.1% YoY
$424.4M
+7.3% YoY
$4.8B
+8.2% YoY
68%
Return on Assets ? 1.75%
+40.3% YoY +21.8% QoQ
+0.48% 1.27%
+12.9% YoY
1.40%
+19.8% YoY
1.23%
+13.4% YoY
80%
Net Interest Margin ? 4.11%
+0.3% YoY -0.3% QoQ
+0.18% 3.93%
+6.0% YoY
3.92%
+4.5% YoY
3.89%
+5.7% YoY
64%
Efficiency Ratio ? 62.40%
-5.2% YoY -0.2% QoQ
-2.88% 65.29%
-4.5% YoY
62.29%
-5.0% YoY
66.95%
-4.1% YoY
52%
Delinquency Rate ? 0.02%
-87.5% YoY -88.9% QoQ
-0.87% 0.89%
+18.8% YoY
0.77%
+10.4% YoY
0.95%
+18.8% YoY
84%
Loan-to-Deposit Ratio ? 57.06%
-5.8% YoY -5.1% QoQ
-19.57% 76.64%
+0.8% YoY
71.79%
+1.2% YoY
76.70%
+0.9% YoY
84%
Non-Interest-Bearing Deposit Share ? 23.84%
+3.5% YoY -2.0% QoQ
+1.83% 22.02%
-1.0% YoY
22.83%
-2.0% YoY
22.01%
-1.2% YoY
62%
Nonperforming Asset Ratio ? 0.01%
-88.4% YoY -89.3% QoQ
-0.63% 0.64%
+19.7% YoY
0.51%
+12.5% YoY
0.67%
+19.3% YoY
Top 13.9% in tier
Tier 1 Capital Ratio ? 14.24%
+2.8% YoY +1.4% QoQ
-1.59% 15.83%
+1.5% YoY
17.98%
-0.9% YoY
17.06%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.11%
-11.3% YoY -79.6% QoQ
-0.17% 0.28%
+9.3% YoY
0.28%
-1.8% YoY
0.32%
+4.1% YoY
57%

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)

Profitability Leader

growth
#266 of 666 • Top 39.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.75%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

372
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.64%
#372 of 2664 Top 13.9% in $100M-$1B
418
Loan-to-Deposit Ratio
liquidity
Value: 57.06%
Peer Median: 76.64%
#418 of 2664 Top 15.7% in $100M-$1B
425
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.89%
#425 of 2654 Top 16.0% in $100M-$1B
547
Return on Assets
profitability
Value: 1.75%
Peer Median: 1.27%
#547 of 2664 Top 20.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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