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Citizens Bank Of Kansas
Kingman, KS · FDIC Certificate #4707 · Chartered 05/1
Total assets
$548.44M
Total deposits
$498.60M
Total equity
$33.76M
Net loans
$236.53M
Branches (offices)
11
Net income (YTD)
$2.72M
Rank: #1,671 of 4,213 U.S. banks by assets · #35 of 183 in Kansas. Assets changed 6.9% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 16.67% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 6.16% |
| Tier 1 leverage ratio | 8.53% |
| Uninsured deposits (share of deposits) | 17.0% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 47.4% |
| Real estate loans (share of loans) | 81.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $193.06M | 81.6% | |
| Commercial & industrial | $11.64M | 4.9% | |
| Consumer / individual | $3.46M | 1.5% | |
| Construction & development | $9.40M | 4.0% | |
| Agricultural | $19.23M | 8.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $489.86M | $461.70M | $2.12M | $17.45M |
| Jun 2023 | $484.69M | $440.22M | $1.88M | $17.47M |
| Jun 2024 | $499.22M | $459.15M | $1.41M | $21.41M |
| Jun 2025 | $512.85M | $471.30M | $2.19M | $22.94M |
| Jun 2026 | $548.44M | $498.60M | $2.72M | $33.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $498.60M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $498.60M.
Similar-sized banks
Northern State Bank Of Thief River Falls ($549.99M) · The Cooperative Bank ($548.29M)
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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