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Citizens State Bank And Trust Co., Ellsworth, Kansas
Ellsworth, KS · FDIC Certificate #11778 · Chartered 05/3
Total assets
$275.92M
Total deposits
$211.41M
Total equity
$21.27M
Net loans
$168.42M
Branches (offices)
6
Net income (YTD)
$2.15M
Rank: #2,590 of 4,213 U.S. banks by assets · #76 of 183 in Kansas. Assets changed 4.9% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.55% |
| Return on equity | 20.47% |
| Net interest margin (YTD) | 3.30% |
| Equity to assets | 7.71% |
| Tier 1 leverage ratio | 9.74% |
| Uninsured deposits (share of deposits) | 38.9% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 79.7% |
| Real estate loans (share of loans) | 74.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $125.12M | 74.3% | |
| Commercial & industrial | $5.38M | 3.2% | |
| Consumer / individual | $7.29M | 4.3% | |
| Construction & development | $873.00K | 0.5% | |
| Agricultural | $31.89M | 18.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $250.05M | $195.02M | $1.81M | $11.50M |
| Jun 2023 | $256.11M | $189.19M | $953.00K | $9.96M |
| Jun 2024 | $257.49M | $191.35M | $1.28M | $14.58M |
| Jun 2025 | $263.15M | $199.64M | $1.67M | $18.35M |
| Jun 2026 | $275.92M | $211.41M | $2.15M | $21.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $211.41M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $211.41M.
Similar-sized banks
Mission National Bank ($276.41M) · First Federal Bank ($275.58M)
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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