Cheney, KS · Cert 9658 · Citizens State Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.4% share · #36 of 46 inst. · $0.1B of $23.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.62% | 1.61% | 1.86% | 1.71% | 1.85% | 1.89% | 2.14% | 1.98% | +28 bps | |
| Return on Equity | 21.59% | 21.34% | 24.29% | 22.23% | 23.40% | 23.56% | 25.11% | 22.82% | +59 bps | |
| Net Interest Margin | 4.04% | 4.07% | 4.20% | 4.10% | 4.10% | 4.22% | 4.33% | 4.27% | +17 bps | |
| Efficiency Ratio | 54.88% | 54.58% | 49.48% | 53.34% | 50.98% | 50.49% | 43.68% | 48.72% | -462 bps | |
| Non-Interest Burden | 2.01% | 2.01% | 1.85% | 1.98% | 1.87% | 1.91% | 1.59% | 1.85% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.97% | 4.76% | 7.77% | 10.80% | 9.60% | 10.30% | 10.49% | 5.71% | -509 bps | |
| Loan Growth (YoY) | 4.92% | 8.32% | 10.79% | 5.37% | 10.53% | 8.88% | 9.59% | 19.46% | +1,409 bps | |
| Deposit Growth (YoY) | 0.12% | 4.44% | 7.10% | 10.09% | 9.35% | 9.29% | 9.48% | 4.23% | -586 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.24% | 1.30% | +130 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | -0.06% | -0.01% | -0.01% | 0.00% | 0.03% | 0.01% | +2 bps | |
| Allowance / Loans | 1.58% | 1.61% | 1.64% | 1.61% | 1.51% | 1.49% | 1.48% | 1.34% | -27 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 49.4x | 6.3x | 1.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 11.13% | 11.05% | 10.99% | 10.78% | 10.76% | 11.15% | 11.10% | +10 bps | |
| Total Risk-Based Capital | 14.05% | 14.14% | 11.05% | 10.99% | 10.78% | 10.76% | 11.15% | 11.10% | +10 bps | |
| Equity / Assets | 8.32% | 7.76% | 7.58% | 7.70% | 8.53% | 8.61% | 8.44% | 9.01% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.71% | 74.86% | 68.68% | 65.66% | 72.48% | 74.58% | 68.75% | 75.25% | +959 bps | |
| Liquid Assets / Assets | 7.59% | 5.56% | 13.12% | 16.92% | 11.05% | 9.03% | 16.39% | 10.64% | -629 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 133.66% | 136.95% | 130.97% | n/a | n/a | |