Citizens Bank of Kansas
Kingman, KS · Cert 4707 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · King Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
$548.4MAssets
$239.1MLoans
$498.6MDeposits
$33.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets in the Wichita, KS area (rank 4 of 20).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in the Wichita, KS area (rank 20 of 20).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.80%
Rank 15 of 20
Net Interest Margin
2.95%
Rank 20 of 20
Efficiency Ratio
71.92%
Rank 16 of 20
Equity / Assets
6.16%
Rank 19 of 20
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 25% of banks under $1B in assets in the Wichita, KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.80% | 1.20% | 1.35% | Beats 25% | 15 / 20 | | |
| Return on Equity | 13.01% | 9.43% | 12.85% | 15.78% | Beats 55% | 9 / 20 | | |
| Net Interest Margin | 2.95% | 3.71% | 4.04% | 4.23% | Beats 0% | 20 / 20 | | |
| Efficiency Ratio | 71.92% | 59.34% | 65.86% | 71.92% | Beats 25% | 16 / 20 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.06% | 0.64% | 1.17% | Beats 85% | 4 / 20 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.02% | 0.09% | Beats 50% | 11 / 20 | | |
| Capital |
| Tier 1 Capital Ratio | 15.01% | 11.10% | 11.73% | 15.56% | Beats 65% | 7 / 20 | | |
| Total Risk-Based Capital Ratio | 15.82% | 11.80% | 12.57% | 16.49% | Beats 70% | 6 / 20 | | |
| Equity / Assets | 6.16% | 8.39% | 8.81% | 11.24% | Beats 5% | 19 / 20 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.95% | 62.67% | 77.26% | 93.25% | 20th pctl | 16 / 20 | | |
| Loans / Assets | 43.59% | 54.38% | 67.74% | 81.71% | 20th pctl | 16 / 20 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |