The Citizens State Bank: how it compares with its peers
Against 63 KS banks with half to twice its assets, The Citizens State Bank's strongest measure in Q2 2026 is return on assets (1.69% vs. a 1.51% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.6M).
| Measure | The Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.51% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.24% | 4.00% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.26% | 58.57% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.6M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.78% | 79.67% | Context |
What it means for lending operations
Its efficiency ratio of 60.26% is above the 58.57% 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
- The Denison State Bank Holton, KS · $454M
- Bank of the Plains Plains, KS · $446M
- The Citizens State Bank Marysville, KS · $442M
- SOLUTIONS NORTH BANK Stockton, KS · $469M
- The Union State Bank of Everest Everest, KS · $427M
- Astra Bank Scandia, KS · $423M
Questions about The Citizens State Bank
How big is The Citizens State Bank?
The Citizens State Bank, established in 1904, is headquartered in Moundridge, KS. It reported $451M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The Citizens State Bank's return on assets?
1.69% annualized in Q2 2026, against a 1.51% median for 63 KS banks with half to twice its assets, ahead of 65% of them.
What is The Citizens State Bank's efficiency ratio?
60.26% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 58.57%, and lower is better.
Is The Citizens State Bank growing its loans?
Net loans shrank 4.8% over the year to Q2 2026, while deposits grew 4.9%.
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.