Citizens Federal Savings Bank
Leavenworth, KS · Cert 30150 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40)
State savings bank · OCC · 3 branches
Q2 2026
$190.1MAssets
$134.8MLoans
$149.1MDeposits
$36.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 4 of 40).
- Widest gap: return on equity trails 97% of banks under $1B in assets in the Kansas City, MO-KS area (rank 39 of 40).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.19%
Rank 38 of 40
Net Interest Margin
2.73%
Rank 37 of 40
Efficiency Ratio
90.32%
Rank 39 of 40
Equity / Assets
19.40%
Rank 4 of 40
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 5% of banks under $1B in assets in the Kansas City, MO-KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.19% | 1.02% | 1.39% | 1.86% | Beats 5% | 38 / 40 | |
| Return on Equity | 1.00% | 10.74% | 14.78% | 21.32% | Beats 3% | 39 / 40 | |
| Net Interest Margin | 2.73% | 3.33% | 4.05% | 4.63% | Beats 8% | 37 / 40 | |
| Efficiency Ratio | 90.32% | 51.70% | 58.10% | 69.29% | Beats 5% | 39 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.05% | 0.20% | 1.11% | Beats 62% | 16 / 39 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.05% | Beats 41% | 24 / 39 | |
| Capital |
| Tier 1 Capital Ratio | 20.08% | 11.32% | 12.27% | 16.94% | Beats 83% | 7 / 40 | |
| Total Risk-Based Capital Ratio | 20.08% | 11.32% | 13.09% | 17.63% | Beats 83% | 7 / 40 | |
| Equity / Assets | 19.40% | 8.41% | 10.10% | 12.34% | Beats 90% | 4 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 90.42% | 73.50% | 85.60% | 94.85% | 63rd pctl | 15 / 40 | |
| Loans / Assets | 70.93% | 62.75% | 69.87% | 79.23% | 53rd pctl | 19 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |