Total Assets
$85M
Total balance-sheet footings
FDIC Cert #15254 · Council Grove, Kansas · Est. 1921
The Citizens State Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at The Citizens State Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $85M
- Total assets
- B
- Health grade · Good
- 1.94%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Citizens State Bank and Trust Company earns a PlainBankData health grade of B (75/100), with 9.82% Tier 1 capital, profitable at 1.94% ROA, efficient (59% cost ratio).
- #3,864
- largest of 4,313 FDIC banks by assets
- 10th
- percentile by asset size, nationally
- 9.82%
- Tier 1 ratio - below the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Citizens State Bank and Trust Company's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Citizens State Bank and Trust Company's composite health score
Tier 1 Capital Ratio (9.82%) 18/40
Return on Assets (ROA) (1.94%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (58.98%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$74M
Customer-funded liabilities
Net Loans
$72M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Citizens State Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens State Bank and Trust Company's score of 75/100 falls in the highlighted band.
The Citizens State Bank and Trust Company'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). The Citizens State Bank and Trust Company's $85M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.82% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.82%
Texas Ratio
0.00%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.94%
Return on Equity (ROE)
22.96%
Efficiency Ratio
58.98%
What the numbers say about The Citizens State Bank and Trust Company
The Citizens State Bank and Trust Company is an FDIC-insured institution (Certificate #15254) headquartered in Council Grove, Kansas, established in 1921. It holds $85M in total assets - 3,864th of 4,313 FDIC-insured banks, $74M in customer deposits, and $72M in net loans. Looking at capital strength, Tier 1 stands at 9.82%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (75/100), 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.
By assets, The Citizens State Bank and Trust Company ranks 148th of 188 banks based in Kansas -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$154K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens State Bank and Trust Company reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) The Citizens State Bank and Trust Company (FDIC Cert #15254) - 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 The Citizens State Bank and Trust Company's health grade?▼
The Citizens State Bank and Trust Company receives a health grade of B (75/100) 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 The Citizens State Bank and Trust Company?▼
The Citizens State Bank and Trust Company holds $85M in total assets and $74M in deposits, ranking 3,864th of 4,313 FDIC-insured banks by asset size. It is headquartered in Council Grove, Kansas.
Is my money safe at The Citizens State Bank and Trust Company?▼
Yes, deposits at The Citizens State Bank and Trust Company (Certificate #15254) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Citizens State Bank and Trust Company's Tier 1 Capital Ratio?▼
The Citizens State Bank and Trust Company has a Tier 1 Capital Ratio of 9.82%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for The Citizens State Bank and Trust Company?▼
The Citizens State Bank and Trust Company has a Texas Ratio of 0.00%. 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 The Citizens State Bank and Trust Company?▼
The Citizens State Bank and Trust Company has an Efficiency Ratio of 58.98%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Citizens State Bank and Trust Company's profile as a depositor or analyst.
- The Citizens State Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens State Bank and Trust Company 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.