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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

$0.7M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 5% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 90.32%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.19%1.02%1.39%1.86%Beats 5%38 / 40
Return on Equity1.00%10.74%14.78%21.32%Beats 3%39 / 40
Net Interest Margin2.73%3.33%4.05%4.63%Beats 8%37 / 40
Efficiency Ratio90.32%51.70%58.10%69.29%Beats 5%39 / 40
Asset Quality
Nonperforming Loans / Loans0.15%0.05%0.20%1.11%Beats 62%16 / 39
Net Charge-Offs / Loans0.01%n/a0.00%0.05%Beats 41%24 / 39
Capital
Tier 1 Capital Ratio20.08%11.32%12.27%16.94%Beats 83%7 / 40
Total Risk-Based Capital Ratio20.08%11.32%13.09%17.63%Beats 83%7 / 40
Equity / Assets19.40%8.41%10.10%12.34%Beats 90%4 / 40
Liquidity & Funding
Loans / Deposits90.42%73.50%85.60%94.85%63rd pctl15 / 40
Loans / Assets70.93%62.75%69.87%79.23%53rd pctl19 / 40
Brokered Deposits / Depositsn/aNot reported for this institution