Headquartered in Kingman, Kansas, Citizens Bank of Kansas is a state-chartered bank (fed member) with $548.4M in total assets and $498.6M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1886.
Based on its Q2 2026 filing, Citizens Bank of Kansas scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 112th. Its strongest component is loan quality (99/100; 0.02%), and its lowest is capital cushion (35/100; 8.53%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.54% |
| Q3 2024 | 8.69% |
| Q4 2024 | 8.77% |
| Q1 2025 | 8.59% |
| Q2 2025 | 8.69% |
| Q3 2025 | 8.86% |
| Q4 2025 | 8.84% |
| Q1 2026 | 8.61% |
| Q2 2026 | 8.53% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.57% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.78% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.85% |
| Q1 2026 | 0.95% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $548.4M | 8.53% | 0.02% | 1.01% | 47.4% |
| Q1 2026 | 71 | $543.9M | 8.61% | 0.05% | 0.95% | 47.3% |
| Q4 2025 | 72 | $527.6M | 8.84% | 0.03% | 0.85% | 50.2% |
| Q3 2025 | 72 | $505.5M | 8.86% | 0.04% | 0.88% | 50.9% |
| Q2 2025 | 71 | $512.8M | 8.69% | 0.08% | 0.87% | 51.3% |
| Q1 2025 | 70 | $510.6M | 8.59% | 0.12% | 0.78% | 50.5% |
| Q4 2024 | 69 | $489.9M | 8.77% | 0.10% | 0.62% | 53.2% |
| Q3 2024 | 68 | $490.2M | 8.69% | 0.13% | 0.57% | 50.5% |
| Q2 2024 | 67 | $499.2M | 8.54% | 0.09% | 0.57% | 49.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Silver Lake BankBank Topeka, KS | 77 out of 100, Strong | $548.2M | 10.9% | 0.00% | vs |
| Bank of the Flint HillsBank Wamego, KS | 71 out of 100, Strong | $544.5M | 8.6% | 0.03% | vs |
| Labette BankBank Altamont, KS | 68 out of 100, Moderate | $544.4M | 13.1% | 1.73% | vs |
| The Peoples BankBank Pratt, KS | 75 out of 100, Strong | $531.1M | 9.3% | 0.37% | vs |
| Mid-America BankBank Baldwin City, KS | 76 out of 100, Strong | $573.3M | 10.2% | 0.13% | vs |
| First State Bank and TrustBank Tonganoxie, KS | 66 out of 100, Moderate | $514.9M | 8.6% | 0.48% | vs |
Deposit insurance
Is my money safe at Citizens Bank of Kansas?
Yes. Citizens Bank of Kansas is an FDIC-insured institution (FDIC certificate #4707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.0% of deposits ($84.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.53%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.82% (benchmark: 10%).
11 locations
Branches
Citizens Bank of Kansas lists 10 offices in 8 cities. Most locations:
- Derby, KS (2)
- Wichita, KS (2)
- Augusta, KS (1)
- El Dorado, KS (1)
- Kingman, KS (1)
- Medicine Lodge, KS (1)
- Pretty Prairie, KS (1)
- Winfield, KS (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Bank of Kansas reported 167 home-loan applications under HMDA (LEI 549300C4ZH7G6OB81F33): 122 originated ($27,700,000 total), 20 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Citizens Bank of Kansas
- Former names
- The First National Bank of Kingman; Citizens Bank of Kansas, National Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 4707
- RSSD ID
- 1014853
- Primary regulator
- FED
- Holding company
- King Bancshares Inc
- Established
- May 14, 1886
- Headquarters
- 300 N Main St, Kingman, KS 67068
- Website
- www.citizensbankofkansas.com
- Employees
- 96
Quick answers
Citizens Bank of Kansas: common questions
Is Citizens Bank of Kansas FDIC insured?
Yes. Citizens Bank of Kansas is an FDIC-insured institution (FDIC certificate #4707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of Kansas's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank of Kansas ever failed?
There is no failure record for FDIC certificate #4707 in the FDIC failed bank list.
How many branches does Citizens Bank of Kansas have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kingman
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of HutchinsonBank Hutchinson, KS | 78 out of 100, Strong | $1.2B | 11.5% | 0.33% | vs |
| The Citizens State Bank of Cheney, KansasBank Cheney, KS | 74 out of 100, Strong | $96.7M | 11.1% | 1.30% | vs |
| Heartland Credit UnionCredit union Hutchinson, KS | 66 out of 100, Moderate | $726.4M | 9.8% | 1.20% | vs |
| Peoples Bank and Trust CompanyBank Mcpherson, KS | 61 out of 100, Moderate | $1.6B | 9.3% | 0.92% | vs |
| Ninnescah Valley BankBank Cunningham, KS | 57 out of 100, Moderate | $44.6M | 12.0% | 3.54% | vs |
| The First Security BankBank Overbrook, KS | 56 out of 100, Moderate | $225.6M | 8.0% | 2.00% | vs |