TellerScore

Citizens Federal Savings Bank (FDIC certificate #30150) is based in Leavenworth, Kansas. Its Q2 2026 call report shows $190.1M in total assets and $149.1M in deposits and 3 offices.

Citizens Federal Savings Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 56th. Capital cushion contributes the most (100/100, 20.08%); earnings contributes the least (28/100, 0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 20.08%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings28/100
Return on assets (annualized): 0.19%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 90.1% · 10.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.54%

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

From Q2 2025 to Q2 2026, the score rose 3 points (77 → 80), mostly because the earnings component improved by 6 points.

TellerScore
767880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202479
Q1 202576
Q2 202577
Q3 202578
Q4 202578
Q1 202679
Q2 202680
Tier 1 leverage ratio
5.00%12.54%20.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202419.50%
Q3 202419.69%
Q4 202419.76%
Q1 202519.71%
Q2 202519.96%
Q3 202519.83%
Q4 202519.83%
Q1 202620.05%
Q2 202620.08%
Noncurrent loans
0.07%0.17%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.16%
Q3 20240.07%
Q4 20240.10%
Q1 20250.17%
Q2 20250.26%
Q3 20250.26%
Q4 20250.23%
Q1 20260.22%
Q2 20260.15%
Return on assets
-0.08%0.07%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.05%
Q3 20240.09%
Q4 20240.12%
Q1 2025-0.08%
Q2 20250.06%
Q3 20250.12%
Q4 20250.17%
Q1 20260.22%
Q2 20260.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$190.1M20.08%0.15%0.19%90.1%
Q1 202679$188.5M20.05%0.22%0.22%91.8%
Q4 202578$187.6M19.83%0.23%0.17%92.1%
Q3 202578$192.1M19.83%0.26%0.12%91.6%
Q2 202577$186.6M19.96%0.26%0.06%95.8%
Q1 202576$189.5M19.71%0.17%-0.08%96.6%
Q4 202479$187.9M19.76%0.10%0.12%97.3%
Q3 202479$189.2M19.69%0.07%0.09%95.4%
Q2 202478$189.2M19.50%0.16%0.05%92.1%

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).

Capital ratio20.08%
96th
Total risk-based capital0.00%
24th
Problem loans0.15%
69th
Net charge-offs0.02%
40th
Return on assets0.19%
6th
Net interest margin3.00%
10th
Efficiency ratio90.3%
6th
Loans to deposits90.1%
26th
Uninsured deposits10.9%
92nd
Loan-loss reserves0.31%
1st
Texas ratio0.5%
76th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Community BankBank Topeka, KS83 out of 100, Strong$188.8M11.5%0.22%vs
Garden Plain State BankBank Wichita, KS88 out of 100, Very strong$191.5M15.2%0.94%vs
Southwind BankBank Natoma, KS70 out of 100, Strong$186.6M10.4%0.74%vs
The Fidelity State Bank and Trust CompanyBank Dodge City, KS95 out of 100, Very strong$194.8M23.6%0.31%vs
Home Bank and Trust CompanyBank Eureka, KS67 out of 100, Moderate$183.3M8.3%0.63%vs
Lyons Federal BankBank Lyons, KS78 out of 100, Strong$197.6M12.7%0.23%vs

Deposit insurance

Is my money safe at Citizens Federal Savings Bank?

Yes. Citizens Federal Savings Bank is an FDIC-insured institution (FDIC certificate #30150). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.9% of deposits ($16.2M) 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 20.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Citizens Federal Savings Bank lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Citizens Federal Savings Bank
Former names
Citizens Savings and Loan Association, FSB; Citizens Savings and Loan Association; Citizens Mutual Savings and Loan Association
Type
Savings bank
FDIC certificate #
30150
RSSD ID
864378
Primary regulator
OCC
Established
January 1, 1884
Headquarters
5151 S 4th St, Leavenworth, KS 66048
Employees
28

Quick answers

Citizens Federal Savings Bank: common questions

Is Citizens Federal Savings Bank FDIC insured?

Yes. Citizens Federal Savings Bank is an FDIC-insured institution (FDIC certificate #30150). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Federal Savings Bank's TellerScore?

80 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 Federal Savings Bank ever failed?

There is no failure record for FDIC certificate #30150 in the FDIC failed bank list.

How many branches does Citizens Federal Savings Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Leavenworth

InstitutionScoreAssetsCapitalProblem loansCompare
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs
Sm Federal Credit UnionCredit union Mission, KS89 out of 100, Very strong$77.2M20.0%0.24%vs
Exchange Bank & TrustBank Atchison, KS88 out of 100, Very strong$626.8M13.0%0.23%vs
U S P L K Employees Federal Credit UnionCredit union Leavenworth, KS87 out of 100, Very strong$34.0M13.9%0.15%vs
The Nodaway Valley BankBank Maryville, MO87 out of 100, Very strong$1.6B11.6%0.00%vs