The Citizens State Bank: how it compares with its peers
Against 77 KS banks with half to twice its assets, The Citizens State Bank's strongest measure in Q2 2026 is assets per employee ($7.2M vs. a $7.0M peer median). Its weakest relative measure is net interest margin (3.61% vs. 4.00%).
| Measure | The Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.40% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.61% | 4.00% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.17% | 58.88% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.0M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.78% | 75.52% | Context |
What it means for lending operations
Its efficiency ratio of 58.17% is better than the 58.88% 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
- First Commerce Bank Marysville, KS · $138M
- Elk State Bank Clyde, KS · $139M
- The Riley State Bank of Riley, Kansas Riley, KS · $132M
- The Bendena State Bank Bendena, KS · $132M
- The First National Bank in Cimarron Cimarron, KS · $143M
- Community Bank of Wichita, Inc. Wichita, KS · $128M
Questions about The Citizens State Bank
How big is The Citizens State Bank?
The Citizens State Bank, established in 1913, is headquartered in Hugoton, KS. It reported $137M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Citizens State Bank's return on assets?
1.09% annualized in Q2 2026, against a 1.40% median for 77 KS banks with half to twice its assets, ahead of 25% of them.
What is The Citizens State Bank's efficiency ratio?
58.17% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 58.88%, and lower is better.
Is The Citizens State Bank growing its loans?
Net loans shrank 5.3% over the year to Q2 2026, while deposits grew 5.1%.
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.