Citizens State Bank, The
Marysville, KS · Cert 14269 · Peer group: banks under $1B in assets in KS (n=98) · Community Bancshares Marysville
State charter, non-member · FDIC · 4 branches
Q2 2026
$442.4MAssets
$345.2MLoans
$381.2MDeposits
$34.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in KS (rank 1 of 98).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in KS (rank 92 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.77%
Rank 11 of 98
Net Interest Margin
3.57%
Rank 52 of 98
Efficiency Ratio
37.70%
Rank 1 of 98
Equity / Assets
7.81%
Rank 84 of 98
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 100% 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 | 1.77% | 1.03% | 1.24% | 1.54% | Beats 89% | 11 / 98 | |
| Return on Equity | 22.70% | 8.85% | 11.58% | 14.73% | Beats 95% | 5 / 98 | |
| Net Interest Margin | 3.57% | 3.24% | 3.62% | 3.91% | Beats 47% | 52 / 98 | |
| Efficiency Ratio | 37.70% | 51.87% | 58.88% | 64.74% | Beats 100% | 1 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.01% | 0.33% | 1.05% | Beats 23% | 76 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 63% | 38 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 9.76% | 11.81% | 13.71% | 17.33% | Beats 6% | 92 / 98 | |
| Total Risk-Based Capital Ratio | 9.76% | 11.81% | 14.13% | 17.45% | Beats 6% | 92 / 98 | |
| Equity / Assets | 7.81% | 8.60% | 11.34% | 13.10% | Beats 14% | 84 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 90.54% | 57.09% | 69.84% | 82.47% | 88th pctl | 12 / 98 | |
| Loans / Assets | 78.03% | 49.34% | 58.31% | 68.94% | 95th pctl | 5 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |