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Citizens State Bank and Trust Company

$100M-$1B Specialty: Agricultural KS FDIC cert 5830

Hiawatha, KS

2 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 +3.9% year over year ($79.6M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 2.10%.
  • Efficiency ratio 57.45% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.70% 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 Company has 5 strengths but faces 3 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 31.9% in tier
  • + ROA 0.78% above tier average
  • + Net Interest Margin 0.49% above tier average
  • + Efficiency Ratio 7.02% below tier average
  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 5.2% in tier
  • - Liquidity Overhang: Bottom 7.8% in tier
  • - Credit Quality Pressure: Bottom 31.4% in tier
Get updates when Citizens State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $103.6M
+3.1% YoY -2.3% QoQ
-$282.9M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Bottom 0.8% in tier
Total Loans ? $65.0M
+1.0% YoY +4.8% QoQ
-$193.3M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Bottom 5.6% in tier
Total Deposits ? $79.6M
+3.9% YoY -2.0% QoQ
-$247.1M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Bottom 1.0% in tier
Return on Assets ? 2.10%
-4.0% YoY +5.2% QoQ
+0.78% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Top 11.2% in tier
Net Interest Margin ? 4.48%
-3.4% YoY +1.2% QoQ
+0.49% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 57.45%
+0.5% YoY -2.6% QoQ
-7.02% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.21%
+563.4% QoQ
-0.70% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 81.70%
-2.9% YoY +6.9% QoQ
+3.75% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
46%
Non-Interest-Bearing Deposit Share ? 23.40%
+10.2% YoY +7.6% QoQ
+1.37% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 0.13%
+611.0% QoQ
-0.53% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 29.83%
+3.1% YoY -2.1% QoQ
+13.92% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Top 4.1% in tier
Non-Interest Income / Assets ? 0.43%
+7.0% YoY +108.8% QoQ
-0.13% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Top 12.2% 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 23.4%
+2.2pp YoY
+1.6pp QoQ
 +1.3pp 22.1% 22.3% 22.2% 60%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 6.4%
-0.1pp YoY
0.0pp QoQ
 -5.2pp 11.6% 12.6% 12.5% 28%
CRE 9.5%
+0.7pp YoY
+0.5pp QoQ
 -30.0pp 39.5% 28.8% 41.4% 4%
1-4 Family 30.8%
-2.3pp YoY
-1.7pp QoQ
 -1.9pp 32.6% 26.7% 31.3% 53%
Consumer 4.3%
+0.1pp YoY
-0.1pp QoQ
 +0.2pp 4.1% 4.6% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 29.8%
+0.9pp YoY
-0.6pp QoQ
 +11.0pp 18.8% 23.3% 19.7% 93%
Leverage Ratio 18.3%
+0.3pp YoY
+0.5pp QoQ
 +6.1pp 12.2% 12.6% 12.6% 95%
Total Capital Ratio 30.8%
+0.9pp YoY
-0.7pp QoQ
 +10.9pp 19.9% 24.4% 20.8% 93%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 22
0 YoY
0 QoQ
 -37 58 70 482 14%
Assets per Employee ($) $4.7M
+3.1% YoY
-2.3% QoQ
 -$2.8M $7.5M $7.1M $8.8M 11%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.2%
+0.2pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 31%
Allowance Coverage 4.40x
-85.6% QoQ
 -19.75x 24.15x 22.44x 20.23x 67%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 11.9%
-0.6pp YoY
+0.5pp QoQ
 -0.3pp 12.2% 14.3% 11.6% 49%
Cost of Funds (YTD) 0.8%
+0.2pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.6% 1.7% 5%
Net Income ($, YTD) $1.1M
+2.4% YoY
— QoQ
 -$1.5M $2.6M $3.7M $40.4M 30%

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
#212 of 661 • Top 31.9% 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: 0.43%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.10%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#50 of 936 • Bottom 5.2% 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 | QoQ rank declining

Liquidity Overhang

risk
#59 of 742 • Bottom 7.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 29.83%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 81.70%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#395 of 1256 • Bottom 31.4% in tier

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

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | 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 (4 metrics)

109
Tier 1 Capital Ratio
capital
Value: 29.83%
Peer Median: 15.91%
#109 of 2643 Top 4.1% in $100M-$1B
296
Return on Assets
profitability
Value: 2.10%
Peer Median: 1.32%
#296 of 2643 Top 11.2% in $100M-$1B
323
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#323 of 2643 Top 12.2% in $100M-$1B
556
Net Interest Margin
profitability
Value: 4.48%
Peer Median: 3.99%
#556 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (3 metrics)

2623
Total Assets
size
Value: $103.62M
Peer Median: $386.57M
#2623 of 2643 Bottom 0.8% in $100M-$1B
2618
Total Deposits
size
Value: $79.60M
Peer Median: $326.73M
#2618 of 2643 Bottom 1.0% in $100M-$1B
2495
Total Loans
size
Value: $65.04M
Peer Median: $258.35M
#2495 of 2643 Bottom 5.6% in $100M-$1B
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