Total Assets
$188M
Total balance-sheet footings
FDIC Cert #30150 · Leavenworth, Kansas · Est. 1884
Citizens Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at Citizens Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $188M
- Total assets
- B
- Health grade · Good
- 0.17%
- Return on assets
- 19.8%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Federal Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 19.83% Tier 1, 0.17% ROA, 93% efficiency ratio.
- #3,107
- largest of 4,313 FDIC banks by assets
- 28th
- percentile by asset size, nationally
- 19.83%
- Tier 1 ratio - above the 10% well-capitalized line
- 8th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Citizens Federal Savings Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Federal Savings Bank's composite health score
Tier 1 Capital Ratio (19.83%) 40/40
Return on Assets (ROA) (0.17%) 7/25
Texas Ratio (0.83%) 20/20
Efficiency Ratio (93.39%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$144M
Customer-funded liabilities
Net Loans
$133M
Outstanding loan book
Net Income
$327K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Federal Savings Bank's score of 67/100 falls in the highlighted band.
Citizens Federal Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Federal Savings Bank's $188M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.83%
Texas Ratio
0.83%
Equity Capital
$37M
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.17%
Return on Equity (ROE)
0.91%
Efficiency Ratio
93.39%
What the numbers say about Citizens Federal Savings Bank
Citizens Federal Savings Bank is an FDIC-insured institution (Certificate #30150) headquartered in Leavenworth, Kansas, established in 1884. It holds $188M in total assets - 3,107th of 4,313 FDIC-insured banks, $144M in customer deposits, and $133M in net loans. On safety, its Tier 1 capital ratio of 19.83% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.83% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, Citizens Federal Savings Bank ranks 98th of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$8M
Interest Income
$662K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Federal Savings Bank reports a Texas Ratio of 0.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Federal Savings Bank (FDIC Cert #30150) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is Citizens Federal Savings Bank's health grade?▼
Citizens Federal Savings Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Citizens Federal Savings Bank?▼
Citizens Federal Savings Bank holds $188M in total assets and $144M in deposits, ranking 3,107th of 4,313 FDIC-insured banks by asset size. It is headquartered in Leavenworth, Kansas.
Is my money safe at Citizens Federal Savings Bank?▼
Yes, deposits at Citizens Federal Savings Bank (Certificate #30150) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Federal Savings Bank's Tier 1 Capital Ratio?▼
Citizens Federal Savings Bank has a Tier 1 Capital Ratio of 19.83%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens Federal Savings Bank?▼
Citizens Federal Savings Bank has a Texas Ratio of 0.83%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Federal Savings Bank?▼
Citizens Federal Savings Bank has an Efficiency Ratio of 93.39%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Federal Savings Bank's profile as a depositor or analyst.
- Citizens Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Federal Savings Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.