Citizens State Bank, The
Gridley, KS · Cert 15111 · Peer group: banks under $1B in assets in KS (n=98) · Flint Hills Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$336.2MAssets
$224.8MLoans
$294.5MDeposits
$39.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: total risk-based capital ratio trails 73% of banks under $1B in assets in KS (rank 72 of 98).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.81%
Rank 8 of 98
Net Interest Margin
4.46%
Rank 8 of 98
Efficiency Ratio
46.99%
Rank 11 of 98
Equity / Assets
11.72%
Rank 43 of 98
Non-interest income vs. expense
Unfavorable gap of $6.3M · efficiency ratio beats 90% 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 | 1.81% | 1.03% | 1.24% | 1.54% | Beats 92% | 8 / 98 | |
| Return on Equity | 15.46% | 8.85% | 11.58% | 14.73% | Beats 77% | 23 / 98 | |
| Net Interest Margin | 4.46% | 3.24% | 3.62% | 3.91% | Beats 92% | 8 / 98 | |
| Efficiency Ratio | 46.99% | 51.87% | 58.88% | 64.74% | Beats 90% | 11 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.01% | 0.33% | 1.05% | Beats 39% | 61 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 12.08% | 11.81% | 13.71% | 17.33% | Beats 29% | 70 / 98 | |
| Total Risk-Based Capital Ratio | 12.08% | 11.81% | 14.13% | 17.45% | Beats 27% | 72 / 98 | |
| Equity / Assets | 11.72% | 8.60% | 11.34% | 13.10% | Beats 56% | 43 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 76.34% | 57.09% | 69.84% | 82.47% | 63rd pctl | 36 / 98 | |
| Loans / Assets | 66.88% | 49.34% | 58.31% | 68.94% | 68th pctl | 31 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |