Citizens State Bank, The
Moundridge, KS · Cert 17672 · Peer group: banks under $1B in assets in KS (n=98) · Goering Management Co. LLC
State charter, non-member · FDIC · 9 branches
Q2 2026
$450.6MAssets
$224.3MLoans
$382.3MDeposits
$58.6MEquity
Executive Summary
- Strongest standing: return on assets outperforms 84% of banks under $1B in assets in KS (rank 16 of 98).
- Widest gap: efficiency ratio trails 59% of banks under $1B in assets in KS (rank 59 of 98).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.67%
Rank 16 of 98
Net Interest Margin
3.88%
Rank 29 of 98
Efficiency Ratio
60.27%
Rank 59 of 98
Equity / Assets
13.01%
Rank 26 of 98
Non-interest income vs. expense
Unfavorable gap of $9.6M · efficiency ratio beats 41% 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 | 1.67% | 1.03% | 1.24% | 1.54% | Beats 84% | 16 / 98 | |
| Return on Equity | 12.87% | 8.85% | 11.58% | 14.73% | Beats 64% | 35 / 98 | |
| Net Interest Margin | 3.88% | 3.24% | 3.62% | 3.91% | Beats 70% | 29 / 98 | |
| Efficiency Ratio | 60.27% | 51.87% | 58.88% | 64.74% | Beats 41% | 59 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.33% | 1.05% | Beats 78% | 23 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 59% | 42 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 14.45% | 11.81% | 13.71% | 17.33% | Beats 57% | 42 / 98 | |
| Total Risk-Based Capital Ratio | 14.45% | 11.81% | 14.13% | 17.45% | Beats 53% | 46 / 98 | |
| Equity / Assets | 13.01% | 8.60% | 11.34% | 13.10% | Beats 73% | 26 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 58.68% | 57.09% | 69.84% | 82.47% | 28th pctl | 71 / 98 | |
| Loans / Assets | 49.78% | 49.34% | 58.31% | 68.94% | 27th pctl | 72 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |