Citizens State Bank and Trust Company
Hiawatha, KS · Cert 5830 · Peer group: banks under $1B in assets in KS (n=98) · Crossdale Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$103.6MAssets
$65.6MLoans
$79.6MDeposits
$18.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
- Widest gap: return on equity trails 69% of banks under $1B in assets in KS (rank 68 of 98).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.71%
Rank 14 of 98
Net Interest Margin
4.25%
Rank 14 of 98
Efficiency Ratio
57.45%
Rank 44 of 98
Equity / Assets
18.09%
Rank 10 of 98
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 56% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 1.03% | 1.24% | 1.54% | Beats 86% | 14 / 98 | | |
| Return on Equity | 9.47% | 8.85% | 11.58% | 14.73% | Beats 31% | 68 / 98 | | |
| Net Interest Margin | 4.25% | 3.24% | 3.62% | 3.91% | Beats 86% | 14 / 98 | | |
| Efficiency Ratio | 57.45% | 51.87% | 58.88% | 64.74% | Beats 56% | 44 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.01% | 0.33% | 1.05% | Beats 60% | 40 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 29.83% | 11.81% | 13.71% | 17.33% | Beats 95% | 5 / 98 | | |
| Total Risk-Based Capital Ratio | 30.80% | 11.81% | 14.13% | 17.45% | Beats 95% | 5 / 98 | | |
| Equity / Assets | 18.09% | 8.60% | 11.34% | 13.10% | Beats 90% | 10 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.47% | 57.09% | 69.84% | 82.47% | 74th pctl | 25 / 98 | | |
| Loans / Assets | 63.35% | 49.34% | 58.31% | 68.94% | 61st pctl | 38 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |