Citizens National Bank, The
Greenleaf, KS · Cert 4678 · Peer group: banks under $1B in assets in KS (n=98) · Padgett Agency Inc.
National charter · OCC · 7 branches
Q2 2026
$229.0MAssets
$110.3MLoans
$214.7MDeposits
$13.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
- Widest gap: equity / assets trails 98% of banks under $1B in assets in KS (rank 96 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.91%
Rank 82 of 98
Net Interest Margin
2.96%
Rank 90 of 98
Efficiency Ratio
70.22%
Rank 85 of 98
Equity / Assets
5.80%
Rank 96 of 98
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 14% 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 | 0.91% | 1.03% | 1.24% | 1.54% | Beats 16% | 82 / 98 | |
| Return on Equity | 15.73% | 8.85% | 11.58% | 14.73% | Beats 80% | 20 / 98 | |
| Net Interest Margin | 2.96% | 3.24% | 3.62% | 3.91% | Beats 8% | 90 / 98 | |
| Efficiency Ratio | 70.22% | 51.87% | 58.88% | 64.74% | Beats 14% | 85 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 42% | 58 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 15.88% | 11.81% | 13.71% | 17.33% | Beats 67% | 32 / 98 | |
| Total Risk-Based Capital Ratio | 17.13% | 11.81% | 14.13% | 17.45% | Beats 69% | 30 / 98 | |
| Equity / Assets | 5.80% | 8.60% | 11.34% | 13.10% | Beats 2% | 96 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 51.40% | 57.09% | 69.84% | 82.47% | 17th pctl | 81 / 98 | |
| Loans / Assets | 48.19% | 49.34% | 58.31% | 68.94% | 22nd pctl | 76 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |