TellerScore

The Citizens National Bank is a national bank headquartered in Greenleaf, Kansas, in business for about 111 years. At the end of Q2 2026 it reported $229.0M in total assets and $214.7M in deposits, with 7 offices.

The Citizens National Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 116th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (37/100, 8.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.66%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings57/100
Return on assets (annualized): 0.91%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 50.6% · 20.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 fell 4 points (76 → 72), mostly because the capital cushion component weakened by 18 points.

TellerScore
727577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202475
Q4 202475
Q1 202576
Q2 202576
Q3 202577
Q4 202577
Q1 202676
Q2 202672
Tier 1 leverage ratio
5.00%7.85%10.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.35%
Q3 202410.68%
Q4 202410.65%
Q1 202510.51%
Q2 202510.54%
Q3 202510.71%
Q4 202510.65%
Q1 202610.48%
Q2 20268.66%
Noncurrent loans
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.04%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.49%0.70%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.49%
Q4 20240.50%
Q1 20250.73%
Q2 20250.72%
Q3 20250.73%
Q4 20250.71%
Q1 20260.76%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$229.0M8.66%0.00%0.91%50.6%
Q1 202676$232.0M10.48%0.00%0.76%49.8%
Q4 202577$224.2M10.65%0.00%0.71%53.6%
Q3 202577$220.9M10.71%0.00%0.73%50.1%
Q2 202576$222.6M10.54%0.00%0.72%44.7%
Q1 202576$219.7M10.51%0.04%0.73%42.7%
Q4 202475$212.7M10.65%0.00%0.50%44.5%
Q3 202475$213.2M10.68%0.00%0.49%42.8%
Q2 202474$214.1M10.35%0.00%0.52%39.1%

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 ratio8.66%
8th
Total risk-based capital17.13%
78th
Problem loans0.00%
94th
Net charge-offs0.01%
51st
Return on assets0.91%
29th
Net interest margin3.24%
17th
Efficiency ratio70.2%
29th
Loans to deposits50.6%
91st
Uninsured deposits20.5%
63rd
Loan-loss reserves1.57%
82nd
Texas ratio0.0%
95th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Stockgrowers State Bank of Ashland, KansasBank Ashland, KS89 out of 100, Very strong$227.1M14.1%0.00%vs
Andover State BankBank Andover, KS59 out of 100, Moderate$232.2M9.0%0.67%vs
The First Security BankBank Overbrook, KS56 out of 100, Moderate$225.6M8.0%2.00%vs
Farmers and Drovers BankBank Council Grove, KS87 out of 100, Very strong$221.9M25.4%0.37%vs
Carson BankBank Mulvane, KS70 out of 100, Strong$219.9M8.3%0.02%vs
FirstOak BankBank Independence, KS75 out of 100, Strong$241.2M10.5%0.00%vs

Deposit insurance

Is my money safe at The Citizens National Bank?

Yes. The Citizens National Bank is an FDIC-insured institution (FDIC certificate #4678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.5% of deposits ($43.9M) 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 8.66%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.13% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

The Citizens National Bank lists 6 offices in 6 cities. Most locations:

  • Belleville, KS (1)
  • Clay Center, KS (1)
  • Concordia, KS (1)
  • Greenleaf, KS (1)
  • Lansing, KS (1)
  • Leavenworth, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Citizens National Bank reported 45 home-loan applications under HMDA (LEI 549300JYEEYQ3BXVCX06): 41 originated ($5,735,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.4%, 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
The Citizens National Bank
Former names
The Citizens National Bank of Greenleaf
Type
National bank
FDIC certificate #
4678
RSSD ID
991555
Primary regulator
OCC
Holding company
Padgett Agency Inc
Established
January 1, 1915
Headquarters
417 Commercial St, Greenleaf, KS 66943
Employees
48

Quick answers

The Citizens National Bank: common questions

Is The Citizens National Bank FDIC insured?

Yes. The Citizens National Bank is an FDIC-insured institution (FDIC certificate #4678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Citizens National Bank'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 The Citizens National Bank ever failed?

There is no failure record for FDIC certificate #4678 in the FDIC failed bank list.

How many branches does The Citizens National Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenleaf

InstitutionScoreAssetsCapitalProblem loansCompare
FNB WashingtonBank Washington, KS92 out of 100, Very strong$87.8M25.9%0.18%vs
Union State BankBank Olsburg, KS89 out of 100, Very strong$44.3M12.7%0.00%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
First Commerce BankBank Marysville, KS79 out of 100, Strong$138.5M11.8%0.26%vs
The Citizens State Bank and Trust CompanyBank Council Grove, KS75 out of 100, Strong$96.1M9.0%0.11%vs