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The Citizens National Bank
Greenleaf, KS · FDIC Certificate #4678 · Chartered 01/0
Total assets
$228.97M
Total deposits
$214.66M
Total equity
$13.27M
Net loans
$108.61M
Branches (offices)
7
Net income (YTD)
$1.04M
Rank: #2,816 of 4,213 U.S. banks by assets · #83 of 183 in Kansas. Assets changed 2.8% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 13.08% |
| Net interest margin (YTD) | 3.24% |
| Equity to assets | 5.80% |
| Tier 1 leverage ratio | 8.66% |
| Uninsured deposits (share of deposits) | 20.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 50.6% |
| Real estate loans (share of loans) | 72.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $78.58M | 72.3% | |
| Commercial & industrial | $5.58M | 5.1% | |
| Consumer / individual | $4.36M | 4.0% | |
| Construction & development | $719.00K | 0.7% | |
| Agricultural | $21.77M | 20.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $218.95M | $207.22M | $812.00K | $11.12M |
| Jun 2023 | $214.28M | $203.46M | $947.00K | $10.45M |
| Jun 2024 | $214.09M | $201.33M | $555.00K | $12.22M |
| Jun 2025 | $222.65M | $207.60M | $790.00K | $14.48M |
| Jun 2026 | $228.97M | $214.66M | $1.04M | $13.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $214.66M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $214.66M.
Similar-sized banks
The First National Bank Of Waynesboro ($229.10M) · Town & Country Bank ($228.87M)
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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