The Citizens State Bank: how it compares with its peers
Against 82 KS banks with half to twice its assets, The Citizens State Bank's strongest measure in Q2 2026 is net interest margin (4.90% vs. a 3.98% peer median). Its weakest relative measure is assets per employee ($6.2M vs. $6.8M).
| Measure | The Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.81% | 1.51% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.90% | 3.98% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.43% | 58.69% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $6.8M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.33% | 78.96% | Context |
What it means for lending operations
Its efficiency ratio of 45.43% is better than the 58.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Stryv Bank Wichita, KS · $333M
- Kaw Valley Bank Topeka, KS · $340M
- Goppert State Service Bank Garnett, KS · $345M
- Heritage Bank Topeka, KS · $325M
- KCB Bank Lakin, KS · $322M
- First National Bank and Trust Phillipsburg, KS · $322M
Questions about The Citizens State Bank
How big is The Citizens State Bank?
The Citizens State Bank, established in 1911, is headquartered in Gridley, KS. It reported $336M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is The Citizens State Bank's return on assets?
1.81% annualized in Q2 2026, against a 1.51% median for 82 KS banks with half to twice its assets, ahead of 79% of them.
What is The Citizens State Bank's efficiency ratio?
45.43% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is The Citizens State Bank growing its loans?
Net loans grew 5.6% over the year to Q2 2026, while deposits grew 4.8%.
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.