Citizens State Bank and Trust Company: how it compares with its peers
Against 73 KS banks with half to twice its assets, Citizens State Bank and Trust Company's strongest measure in Q2 2026 is return on assets (2.10% vs. a 1.38% peer median). Its weakest relative measure is assets per employee ($4.7M vs. $7.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.10% | 1.38% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.48% | 3.95% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.45% | 59.19% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $7.2M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.70% | 70.95% | Context |
What it means for lending operations
Its efficiency ratio of 57.45% is better than the 59.19% 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 National Bank in Fredonia Fredonia, KS · $104M
- Exchange State Bank Saint Paul, KS · $105M
- First National Bank of Kansas Burlington, KS · $106M
- The Kansas State Bank Overbrook Kansas Overbrook, KS · $101M
- Integrity Bank Montezuma, KS · $100M
- The First State Bank of Healy Healy, KS · $109M
Questions about Citizens State Bank and Trust Company
How big is Citizens State Bank and Trust Company?
Citizens State Bank and Trust Company, established in 1907, is headquartered in Hiawatha, KS. It reported $104M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens State Bank and Trust Company's return on assets?
2.10% annualized in Q2 2026, against a 1.38% median for 73 KS banks with half to twice its assets, ahead of 86% of them.
What is Citizens State Bank and Trust Company's efficiency ratio?
57.45% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 59.19%, and lower is better.
Is Citizens State Bank and Trust Company growing its loans?
Net loans grew 1.0% over the year to Q2 2026, while deposits grew 3.9%.
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.