PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens State Bank, The

Marysville, KS · Cert 14269 · Community Bancshares Marysville

State charter, non-member · FDIC · 4 branches

Q2 2026

$442.4MAssets
$345.2MLoans
$381.2MDeposits
$34.6MEquity
Loan mix
84%RE $182.5M15%C&I $32.0M2%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $329.8M14%Noninterest $51.5MQ2 2025Q2 2026

NIM

5.60%Q2 ’245.66%Q2 ’255.54%Q2 ’26+1%+5%

Non-interest income vs. expense

1.41%Q2 ’241.47%Q2 ’251.38%Q2 ’26+5%-8%

Executive Summary

  • Earnings: ROA of 1.90%, up 24 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 1.28% of loans (+125 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.76%, down 30 bps from a year ago.
  • Funding: loans stand at 90.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.90%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+16 bps YoY

Efficiency Ratio (quarter, annualized)

36.06%-408 bps YoY

Tier 1 Leverage Ratio

9.76%-30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.46%1.55%1.70%1.90%+24 bps
Return on Equity22.01%18.85%19.55%21.58%24.30%+230 bps
Net Interest Margin3.51%3.32%3.42%3.52%3.67%+16 bps
Efficiency Ratio40.14%42.72%40.62%39.45%36.06%-408 bps
Non-Interest Burden1.31%1.32%1.28%1.29%1.20%-10 bps
Growth
Asset Growth (YoY)4.97%2.48%3.50%6.20%6.04%+107 bps
Loan Growth (YoY)6.66%5.08%3.67%5.60%6.64%-2 bps
Deposit Growth (YoY)5.98%2.04%5.43%8.24%9.55%+357 bps
Asset Quality
Nonperforming Loans / Loans0.03%1.34%1.39%1.42%1.28%+125 bps
Net Charge-Offs / Loans0.00%0.00%0.01%-0.01%0.00%+1 bps
Allowance / Loans1.27%1.32%1.30%1.31%1.27%0 bps
Allowance Coverage of NPLs38.7x1.0x0.9x0.9x1.0x-37.7x
Capital
Tier 1 Leverage Ratio10.06%9.91%9.91%9.79%9.76%-30 bps
Total Risk-Based Capital10.06%9.91%9.91%9.79%9.76%-30 bps
Equity / Assets7.47%7.99%7.91%7.83%7.81%+34 bps
Liquidity & Funding
Loans / Deposits93.02%94.96%91.14%86.60%90.54%-247 bps
Liquid Assets / Assets0.26%0.27%0.25%0.19%0.19%-7 bps
CRE / Total Capitaln/a138.43%141.48%138.06%n/an/a