Total Assets
$280M
Total balance-sheet footings
FDIC Cert #11778 · Ellsworth, Kansas · Est. 1900
Citizens State Bank and Trust Co., Ellsworth, Kansas - FDIC Bank Health Profile
A community-scale look at Citizens State Bank and Trust Co., Ellsworth, Kansas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $280M
- Total assets
- B
- Health grade · Good
- 1.27%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens State Bank and Trust Co., Ellsworth, Kansas earns a PlainBankData health grade of B (66/100), with 9.61% Tier 1 capital, profitable at 1.27% ROA, 62% efficiency ratio.
- #2,591
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 9.61%
- Tier 1 ratio - below the 10% well-capitalized line
- 62nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Citizens State Bank and Trust Co., Ellsworth, Kansas's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens State Bank and Trust Co., Ellsworth, Kansas's composite health score
Tier 1 Capital Ratio (9.61%) 18/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (0.41%) 20/20
Efficiency Ratio (62.40%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$216M
Customer-funded liabilities
Net Loans
$166M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens State Bank and Trust Co., Ellsworth, Kansas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens State Bank and Trust Co., Ellsworth, Kansas's score of 66/100 falls in the highlighted band.
Citizens State Bank and Trust Co., Ellsworth, Kansas'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 State Bank and Trust Co., Ellsworth, Kansas's $280M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.61% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.61%
Texas Ratio
0.41%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
18.86%
Efficiency Ratio
62.40%
What the numbers say about Citizens State Bank and Trust Co., Ellsworth, Kansas
Citizens State Bank and Trust Co., Ellsworth, Kansas is an FDIC-insured institution (Certificate #11778) headquartered in Ellsworth, Kansas, established in 1900. It holds $280M in total assets - 2,591st of 4,313 FDIC-insured banks, $216M in customer deposits, and $166M in net loans. Its capital position: a Tier 1 ratio of 9.61%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.41% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens State Bank and Trust Co., Ellsworth, Kansas sits 74th of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens State Bank and Trust Co., Ellsworth, Kansas reports a Texas Ratio of 0.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.41% - 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 State Bank and Trust Co., Ellsworth, Kansas (FDIC Cert #11778) - 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 State Bank and Trust Co., Ellsworth, Kansas's health grade?▼
Citizens State Bank and Trust Co., Ellsworth, Kansas receives a health grade of B (66/100) 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 State Bank and Trust Co., Ellsworth, Kansas?▼
Citizens State Bank and Trust Co., Ellsworth, Kansas holds $280M in total assets and $216M in deposits, ranking 2,591st of 4,313 FDIC-insured banks by asset size. It is headquartered in Ellsworth, Kansas.
Is my money safe at Citizens State Bank and Trust Co., Ellsworth, Kansas?▼
Yes, deposits at Citizens State Bank and Trust Co., Ellsworth, Kansas (Certificate #11778) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens State Bank and Trust Co., Ellsworth, Kansas's Tier 1 Capital Ratio?▼
Citizens State Bank and Trust Co., Ellsworth, Kansas has a Tier 1 Capital Ratio of 9.61%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Citizens State Bank and Trust Co., Ellsworth, Kansas?▼
Citizens State Bank and Trust Co., Ellsworth, Kansas has a Texas Ratio of 0.41%. Staying under 50% is the level analysts treat as 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 State Bank and Trust Co., Ellsworth, Kansas?▼
Citizens State Bank and Trust Co., Ellsworth, Kansas has an Efficiency Ratio of 62.40%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens State Bank and Trust Co., Ellsworth, Kansas's profile as a depositor or analyst.
- Citizens State Bank and Trust Co., Ellsworth, Kansas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens State Bank and Trust Co., Ellsworth, Kansas 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.