Citizens Bank of Kansas: how it compares with its peers
Against 58 KS banks with half to twice its assets, Citizens Bank of Kansas's strongest measure in Q2 2026 is assets per employee ($5.7M vs. a $6.7M peer median). Its weakest relative measure is return on assets (1.01% vs. 1.54%).
| Measure | Citizens Bank of Kansas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.54% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.34% | 3.98% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.48% | 54.79% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.7M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.44% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 71.48% is above the 54.79% 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
- Silver Lake Bank Topeka, KS · $548M
- Bank of the Flint Hills Wamego, KS · $545M
- Labette Bank Altamont, KS · $544M
- The Peoples Bank Pratt, KS · $531M
- Mid-America Bank Baldwin City, KS · $573M
- First State Bank and Trust Tonganoxie, KS · $515M
Questions about Citizens Bank of Kansas
How big is Citizens Bank of Kansas?
Citizens Bank of Kansas, established in 1886, is headquartered in Kingman, KS. It reported $548M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Citizens Bank of Kansas's return on assets?
1.01% annualized in Q2 2026, against a 1.54% median for 58 KS banks with half to twice its assets, ahead of 7% of them.
What is Citizens Bank of Kansas's efficiency ratio?
71.48% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 54.79%, and lower is better.
Is Citizens Bank of Kansas growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits grew 5.8%.
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.