Citizens State Bank and Trust Co., Ellsworth, Kansas: how it compares with its peers
Against 83 KS banks with half to twice its assets, Citizens State Bank and Trust Co., Ellsworth, Kansas's strongest measure in Q2 2026 is return on assets (1.55% vs. a 1.47% peer median). Its weakest relative measure is net interest margin (3.30% vs. 3.97%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.55% | 1.47% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 3.97% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.28% | 58.80% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.9M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.67% | 76.92% | Context |
What it means for lending operations
Its efficiency ratio of 59.28% is above the 58.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Fusion Bank Larned, KS · $281M
- FNB Bank Goodland, KS · $270M
- Patriots Bank Garnett, KS · $269M
- Vintage Bank Kansas Leon, KS · $289M
- The Farmers State Bank of Westmoreland Westmoreland, KS · $258M
- First Kansas Bank Hoisington, KS · $294M
Questions about Citizens State Bank and Trust Co., Ellsworth, Kansas
How big is Citizens State Bank and Trust Co., Ellsworth, Kansas?
Citizens State Bank and Trust Co., Ellsworth, Kansas, established in 1900, is headquartered in Ellsworth, KS. It reported $276M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Citizens State Bank and Trust Co., Ellsworth, Kansas's return on assets?
1.55% annualized in Q2 2026, against a 1.47% median for 83 KS banks with half to twice its assets, ahead of 55% of them.
What is Citizens State Bank and Trust Co., Ellsworth, Kansas's efficiency ratio?
59.28% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 58.80%, and lower is better.
Is Citizens State Bank and Trust Co., Ellsworth, Kansas growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits grew 5.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.