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Citizens Federal Savings Bank
Leavenworth, KS · FDIC Certificate #30150 · Chartered 01/0
Total assets
$190.11M
Total deposits
$149.13M
Total equity
$36.88M
Net loans
$134.43M
Branches (offices)
3
Net income (YTD)
$184.00K
Rank: #3,047 of 4,213 U.S. banks by assets · #99 of 183 in Kansas. Assets changed 1.9% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.19% |
| Return on equity | 1.00% |
| Net interest margin (YTD) | 3.00% |
| Equity to assets | 19.40% |
| Tier 1 leverage ratio | 20.08% |
| Uninsured deposits (share of deposits) | 10.9% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 90.1% |
| Real estate loans (share of loans) | 97.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $130.73M | 97.3% | |
| Commercial & industrial | $2.34M | 1.7% | |
| Consumer / individual | $1.77M | 1.3% | |
| Construction & development | $3.75M | 2.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $188.74M | $145.18M | $100.00K | $34.07M |
| Jun 2023 | $184.34M | $140.26M | $173.00K | $34.29M |
| Jun 2024 | $189.20M | $142.06M | $42.00K | $34.93M |
| Jun 2025 | $186.61M | $139.66M | $57.00K | $35.61M |
| Jun 2026 | $190.11M | $149.13M | $184.00K | $36.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $149.13M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $149.13M.
Similar-sized banks
The Geo. D. Warthen Bank ($190.26M) · Jersey State Bank ($190.06M)
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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