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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 $6.9MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $169.9M20%Noninterest $41.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.28%, up 23 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.12% of loans (+6 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.28%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.05%+38 bps YoY

Efficiency Ratio (quarter, annualized)

58.74%-329 bps YoY

Tier 1 Leverage Ratio

9.74%+34 bps YoY

NIM

4.42%Q2 ’244.75%Q2 ’254.91%Q2 ’26+20%+14%

Non-interest income vs. expense

2.08%Q2 ’242.13%Q2 ’252.30%Q2 ’26+1%+5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.68%0.99%1.05%1.09%1.02%1.22%1.28%+23 bps
Return on Equity8.29%11.05%16.70%15.69%15.09%13.69%16.24%16.68%+100 bps
Net Interest Margin2.22%2.11%2.57%2.67%2.84%2.71%3.07%3.05%+38 bps
Efficiency Ratio78.13%71.20%62.97%62.03%61.80%62.82%59.83%58.74%-329 bps
Non-Interest Burden1.56%1.26%1.31%1.35%1.42%1.38%1.50%1.42%+7 bps
Growth
Asset Growth (YoY)3.23%0.34%2.72%2.20%3.66%5.91%4.34%4.85%+265 bps
Loan Growth (YoY)3.40%3.90%3.36%5.09%6.66%8.73%7.34%4.87%-23 bps
Deposit Growth (YoY)4.09%2.61%5.43%4.34%4.60%7.90%6.39%5.89%+156 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.23%0.30%0.06%0.08%0.06%0.08%0.12%+6 bps
Net Charge-Offs / Loans-0.03%0.00%0.00%0.04%-0.01%0.00%0.02%0.00%-4 bps
Allowance / Loans1.20%1.22%1.24%1.17%1.16%1.18%1.21%1.19%+2 bps
Allowance Coverage of NPLs4.0x5.3x4.2x20.5x15.0x21.2x14.9x10.0x-10.5x
Capital
Tier 1 Leverage Ratio9.40%9.35%9.28%9.40%9.78%9.61%9.58%9.74%+34 bps
Total Risk-Based Capital17.97%18.39%18.79%18.23%18.24%9.61%9.58%9.74%-849 bps
Equity / Assets6.92%5.46%6.36%6.97%7.51%7.39%7.60%7.71%+73 bps
Liquidity & Funding
Loans / Deposits84.01%77.15%77.04%81.41%85.67%77.75%77.73%80.62%-79 bps
Liquid Assets / Assets2.97%8.09%7.61%3.37%1.82%6.54%4.25%3.30%-7 bps
CRE / Total Capitaln/an/an/an/a56.71%56.66%54.13%n/an/a