Citizens State Bank and Trust Co., Ellsworth, Kansas
Ellsworth, KS · Cert 11778 · Peer group: banks under $1B in assets in KS (n=98) · CSB Bancshares Amended Esop
State charter, Fed member · FED · 6 branches
Q2 2026
$275.9MAssets
$170.4MLoans
$211.4MDeposits
$21.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 83% of banks under $1B in assets in KS (rank 17 of 98).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in KS (rank 93 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.25%
Rank 48 of 98
Net Interest Margin
3.06%
Rank 85 of 98
Efficiency Ratio
59.28%
Rank 53 of 98
Equity / Assets
7.71%
Rank 85 of 98
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 47% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 1.03% | 1.24% | 1.54% | Beats 51% | 48 / 98 | |
| Return on Equity | 16.21% | 8.85% | 11.58% | 14.73% | Beats 83% | 17 / 98 | |
| Net Interest Margin | 3.06% | 3.24% | 3.62% | 3.91% | Beats 13% | 85 / 98 | |
| Efficiency Ratio | 59.28% | 51.87% | 58.88% | 64.74% | Beats 47% | 53 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.01% | 0.33% | 1.05% | Beats 66% | 34 / 98 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 50% | 52 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 9.74% | 11.81% | 13.71% | 17.33% | Beats 5% | 93 / 98 | |
| Total Risk-Based Capital Ratio | 9.74% | 11.81% | 14.13% | 17.45% | Beats 5% | 93 / 98 | |
| Equity / Assets | 7.71% | 8.60% | 11.34% | 13.10% | Beats 13% | 85 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 80.62% | 57.09% | 69.84% | 82.47% | 71st pctl | 28 / 98 | |
| Loans / Assets | 61.77% | 49.34% | 58.31% | 68.94% | 56th pctl | 43 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |