Citizens State Bank and Trust Co., Ellsworth, Kansas (FDIC certificate #11778) is based in Ellsworth, Kansas. Its Q2 2026 call report shows $275.9M in total assets and $211.4M in deposits and 6 offices.
Based on its Q2 2026 filing, Citizens State Bank and Trust Co., Ellsworth, 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 115th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (47/100; 9.74%).
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
From Q2 2025 to Q2 2026, the score rose 3 points (69 → 72), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 64 |
| Q4 2024 | 64 |
| Q1 2025 | 67 |
| Q2 2025 | 69 |
| Q3 2025 | 71 |
| Q4 2025 | 70 |
| Q1 2026 | 73 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.30% |
| Q3 2024 | 9.40% |
| Q4 2024 | 9.35% |
| Q1 2025 | 9.28% |
| Q2 2025 | 9.40% |
| Q3 2025 | 9.78% |
| Q4 2025 | 9.61% |
| Q1 2026 | 9.58% |
| Q2 2026 | 9.74% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.12% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.86% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.26% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $275.9M | 9.74% | 0.12% | 1.55% | 79.7% |
| Q1 2026 | 73 | $275.2M | 9.58% | 0.08% | 1.52% | 76.8% |
| Q4 2025 | 70 | $279.8M | 9.61% | 0.06% | 1.27% | 76.8% |
| Q3 2025 | 71 | $263.7M | 9.78% | 0.08% | 1.29% | 84.7% |
| Q2 2025 | 69 | $263.2M | 9.40% | 0.06% | 1.26% | 80.5% |
| Q1 2025 | 67 | $263.7M | 9.28% | 0.30% | 1.24% | 76.1% |
| Q4 2024 | 64 | $264.1M | 9.35% | 0.23% | 0.86% | 76.2% |
| Q3 2024 | 64 | $254.4M | 9.40% | 0.30% | 0.88% | 83.0% |
| Q2 2024 | 60 | $257.5M | 9.30% | 0.82% | 0.99% | 79.8% |
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 |
|---|---|---|---|---|---|
| Fusion BankBank Larned, KS | 88 out of 100, Very strong | $281.0M | 12.8% | 0.47% | vs |
| FNB BankBank Goodland, KS | 45 out of 100, Below average | $270.3M | 10.2% | 4.03% | vs |
| Patriots BankBank Garnett, KS | 77 out of 100, Strong | $268.8M | 9.2% | 0.00% | vs |
| Vintage Bank KansasBank Leon, KS | 78 out of 100, Strong | $288.6M | 11.6% | 0.53% | vs |
| The Farmers State Bank of WestmorelandBank Westmoreland, KS | 69 out of 100, Moderate | $257.7M | 13.9% | 2.03% | vs |
| First Kansas BankBank Hoisington, KS | 74 out of 100, Strong | $294.4M | 8.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens State Bank and Trust Co., Ellsworth, Kansas?
Yes. Citizens State Bank and Trust Co., Ellsworth, Kansas is an FDIC-insured institution (FDIC certificate #11778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.9% of deposits ($82.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.74%, 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%).
6 locations
Branches
Citizens State Bank and Trust Co., Ellsworth, Kansas lists 5 offices in 4 cities. Most locations:
- Ellsworth, KS (2)
- Delphos, KS (1)
- Lincoln, KS (1)
- Minneapolis, KS (1)
Identity & history
Profile
- Legal name
- Citizens State Bank and Trust Co., Ellsworth, Kansas
- Former names
- Citizens State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 11778
- RSSD ID
- 733951
- Primary regulator
- FED
- Holding company
- Csb Bancshares Amended Esop
- Established
- May 31, 1900
- Headquarters
- 203 N Douglas Ave, Ellsworth, KS 67439
- Website
- www.csbanc.com
- Employees
- 49
Quick answers
Citizens State Bank and Trust Co., Ellsworth, Kansas: common questions
Is Citizens State Bank and Trust Co., Ellsworth, Kansas FDIC insured?
Yes. Citizens State Bank and Trust Co., Ellsworth, Kansas is an FDIC-insured institution (FDIC certificate #11778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank and Trust Co., Ellsworth, 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 State Bank and Trust Co., Ellsworth, Kansas ever failed?
There is no failure record for FDIC certificate #11778 in the FDIC failed bank list.
How many branches does Citizens State Bank and Trust Co., Ellsworth, Kansas have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ellsworth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank KansasBank Salina, KS | 79 out of 100, Strong | $618.5M | 8.8% | 0.04% | vs |
| The Bank of TescottBank Tescott, KS | 79 out of 100, Strong | $648.3M | 10.6% | 0.08% | vs |
| Lyons Federal BankBank Lyons, KS | 78 out of 100, Strong | $197.6M | 12.7% | 0.23% | vs |
| Farmway Credit UnionCredit union Beloit, KS | 77 out of 100, Strong | $106.8M | 21.9% | 0.95% | vs |
| The Bennington State BankBank Salina, KS | 75 out of 100, Strong | $1.4B | 9.5% | 0.29% | vs |
| The Wilson State BankBank Wilson, KS | 74 out of 100, Strong | $123.1M | 9.5% | 0.00% | vs |