Citizens State Bank and Trust Company (FDIC certificate #5830) is based in Hiawatha, Kansas. Its Q2 2026 call report shows $103.6M in total assets and $79.6M in deposits and 2 offices.
Based on its Q2 2026 filing, Citizens State Bank and Trust Company scores 95/100, which we describe as very strong. That is higher than 99% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 6th. Its strongest component is capital cushion (100/100; 18.31%), and its lowest is funding & liquidity (79/100; 82% loans-to-deposits, 15% uninsured).
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 (96 → 95).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 95 |
| Q4 2024 | 95 |
| Q1 2025 | 97 |
| Q2 2025 | 96 |
| Q3 2025 | 96 |
| Q4 2025 | 97 |
| Q1 2026 | 97 |
| Q2 2026 | 95 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.68% |
| Q3 2024 | 18.90% |
| Q4 2024 | 18.52% |
| Q1 2025 | 17.90% |
| Q2 2025 | 17.97% |
| Q3 2025 | 18.34% |
| Q4 2025 | 17.88% |
| Q1 2026 | 17.86% |
| Q2 2026 | 18.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.21% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.67% |
| Q3 2024 | 1.79% |
| Q4 2024 | 1.96% |
| Q1 2025 | 2.11% |
| Q2 2025 | 2.19% |
| Q3 2025 | 2.19% |
| Q4 2025 | 2.32% |
| Q1 2026 | 2.00% |
| Q2 2026 | 2.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 95 | $103.6M | 18.31% | 0.21% | 2.10% | 81.7% |
| Q1 2026 | 97 | $106.0M | 17.86% | 0.03% | 2.00% | 76.5% |
| Q4 2025 | 97 | $104.7M | 17.88% | 0.00% | 2.32% | 81.0% |
| Q3 2025 | 96 | $99.8M | 18.34% | 0.01% | 2.19% | 85.5% |
| Q2 2025 | 96 | $100.5M | 17.97% | 0.00% | 2.19% | 84.1% |
| Q1 2025 | 97 | $98.3M | 17.90% | 0.02% | 2.11% | 79.7% |
| Q4 2024 | 95 | $95.9M | 18.52% | 0.00% | 1.96% | 82.1% |
| Q3 2024 | 95 | $92.6M | 18.90% | 0.00% | 1.79% | 82.7% |
| Q2 2024 | 92 | $93.6M | 18.68% | 0.20% | 1.67% | 78.2% |
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 |
|---|---|---|---|---|---|
| First National Bank in FredoniaBank Fredonia, KS | 87 out of 100, Very strong | $104.4M | 16.7% | 0.63% | vs |
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| First National Bank of KansasBank Burlington, KS | 67 out of 100, Moderate | $105.6M | 9.1% | 0.14% | vs |
| The Kansas State Bank Overbrook KansasBank Overbrook, KS | 82 out of 100, Strong | $101.2M | 13.2% | 0.70% | vs |
| The First State Bank of HealyBank Healy, KS | 82 out of 100, Strong | $108.8M | 16.8% | 0.89% | vs |
| First Federal Savings and Loan BankBank Olathe, KS | 74 out of 100, Strong | $109.5M | 12.3% | 1.28% | vs |
Deposit insurance
Is my money safe at Citizens State Bank and Trust Company?
Yes. Citizens State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #5830). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.1% of deposits ($12.0M) 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 18.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.80% (benchmark: 10%).
2 locations
Branches
Citizens State Bank and Trust Company lists 1 office in 1 city. Most locations:
- Hiawatha, KS (1)
Identity & history
Profile
- Legal name
- Citizens State Bank and Trust Company
- Former names
- Citizens State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5830
- RSSD ID
- 678557
- Primary regulator
- FDIC
- Holding company
- Crossdale Inc
- Established
- January 1, 1907
- Headquarters
- 610 Oregon St, Hiawatha, KS 66434
- Website
- www.csbkansas.com
- Employees
- 22
Quick answers
Citizens State Bank and Trust Company: common questions
Is Citizens State Bank and Trust Company FDIC insured?
Yes. Citizens State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #5830). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank and Trust Company's TellerScore?
95 out of 100 (Very 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 Company ever failed?
There is no failure record for FDIC certificate #5830 in the FDIC failed bank list.
How many branches does Citizens State Bank and Trust Company have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hiawatha
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Nodaway Valley BankBank Maryville, MO | 87 out of 100, Very strong | $1.6B | 11.6% | 0.00% | vs |
| Citizens Bank & TrustBank Rock Port, MO | 85 out of 100, Very strong | $107.3M | 12.5% | 0.08% | vs |
| F&M BankBank Falls City, NE | 83 out of 100, Strong | $135.3M | 11.6% | 0.00% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |
| Connections BankBank Platte City, MO | 78 out of 100, Strong | $516.6M | 9.8% | 0.00% | vs |