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Citizens State Bank and Trust Co., Ellsworth, Kansas

Ellsworth, KS · Cert 11778 · CSB Bancshares Amended Esop

State charter, Fed member · FED · 6 branches

Q2 2026

$275.9MAssets
$170.4MLoans
$211.4MDeposits
$21.3MEquity
Loan mix
91%RE $123.2M3%C&I $4.6M5%Consumer $6.9MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $169.9M20%Noninterest $41.5MQ2 2025Q2 2026

NIM

4.38%Q2 ’244.58%Q2 ’254.83%Q2 ’26+10%+17%

Non-interest income vs. expense

2.11%Q2 ’242.11%Q2 ’252.30%Q2 ’26-3%+9%

Executive Summary

  • Earnings: ROA of 1.24%, up 23 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.12% of loans (+6 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.74%, up 34 bps from a year ago.
  • Funding: loans stand at 80.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+45 bps YoY

Efficiency Ratio (YTD, annualized)

59.28%-321 bps YoY

Tier 1 Leverage Ratio

9.74%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.04%1.03%1.22%1.24%+23 bps
Return on Equity16.22%15.83%15.32%16.24%16.45%+23 bps
Net Interest Margin2.61%2.72%2.66%3.07%3.06%+45 bps
Efficiency Ratio62.49%62.26%62.40%59.83%59.28%-321 bps
Non-Interest Burden1.33%1.38%1.35%1.50%1.45%+13 bps
Growth
Asset Growth (YoY)2.20%3.66%5.91%4.34%4.85%+265 bps
Loan Growth (YoY)5.09%6.66%8.73%7.34%4.87%-23 bps
Deposit Growth (YoY)4.34%4.60%7.90%6.39%5.89%+156 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.08%0.06%0.08%0.12%+6 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.02%0.01%-1 bps
Allowance / Loans1.17%1.16%1.18%1.21%1.19%+2 bps
Allowance Coverage of NPLs20.5x15.0x21.2x14.9x10.0x-10.5x
Capital
Tier 1 Leverage Ratio9.40%9.78%9.61%9.58%9.74%+34 bps
Total Risk-Based Capital18.23%18.24%9.61%9.58%9.74%-849 bps
Equity / Assets6.97%7.51%7.39%7.60%7.71%+73 bps
Liquidity & Funding
Loans / Deposits81.41%85.67%77.75%77.73%80.62%-79 bps
Liquid Assets / Assets3.37%1.82%6.54%4.25%3.30%-7 bps
CRE / Total Capitaln/a56.71%56.66%54.13%n/an/a