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Citizens Bank
Butler, MO · FDIC Certificate #22601 · Chartered 01/0
Total assets
$188.09M
Total deposits
$171.12M
Total equity
$14.79M
Net loans
$168.58M
Branches (offices)
10
Net income (YTD)
$2.29M
Rank: #3,059 of 4,213 U.S. banks by assets · #128 of 190 in Missouri. Assets changed 0.2% and deposits 0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.43% |
| Return on equity | 30.54% |
| Net interest margin (YTD) | 6.53% |
| Equity to assets | 7.86% |
| Tier 1 leverage ratio | 7.73% |
| Uninsured deposits (share of deposits) | 17.4% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 98.5% |
| Real estate loans (share of loans) | 90.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $152.78M | 90.6% | |
| Commercial & industrial | $7.32M | 4.3% | |
| Consumer / individual | $3.81M | 2.3% | |
| Construction & development | $7.51M | 4.5% | |
| Agricultural | $6.48M | 3.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $197.53M | $184.15M | $990.00K | $13.27M |
| Jun 2023 | $190.16M | $170.59M | $2.11M | $14.41M |
| Jun 2024 | $184.32M | $165.31M | $2.40M | $17.55M |
| Jun 2025 | $187.70M | $169.65M | $2.70M | $17.47M |
| Jun 2026 | $188.09M | $171.12M | $2.29M | $14.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $163.65M | 9 |
| Kansas | $7.47M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $171.12M.
Similar-sized banks
Bank Of Camilla ($188.13M) · Citizens Savings Bank And Trust Company ($188.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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