TellerScore

Headquartered in Gridley, Kansas, The Citizens State Bank is a state-chartered bank with $336.2M in total assets and $294.5M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1911.

The Citizens State Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 48th. Problem-loan coverage contributes the most (94/100, 3.1%); capital cushion contributes the least (71/100, 12.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Tier 1 leverage ratio: 12.08%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.58%
Earnings93/100
Return on assets (annualized): 1.81%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 75.3% · 22.9% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.10%

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 8 points (73 → 81), mostly because the loan quality component improved by 16 points.

TellerScore
727883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202472
Q4 202478
Q1 202572
Q2 202573
Q3 202581
Q4 202583
Q1 202683
Q2 202681
Tier 1 leverage ratio
5.00%8.54%12.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.96%
Q3 202410.21%
Q4 202410.60%
Q1 202510.97%
Q2 202511.44%
Q3 202511.60%
Q4 202511.80%
Q1 202611.73%
Q2 202612.08%
Noncurrent loans
0.20%0.71%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.77%
Q4 20240.20%
Q1 20251.22%
Q2 20251.04%
Q3 20250.53%
Q4 20250.24%
Q1 20260.48%
Q2 20260.58%
Return on assets
1.40%1.73%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.48%
Q3 20241.42%
Q4 20241.40%
Q1 20251.79%
Q2 20251.66%
Q3 20251.73%
Q4 20251.67%
Q1 20262.06%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$336.2M12.08%0.58%1.81%75.3%
Q1 202683$336.8M11.73%0.48%2.06%70.6%
Q4 202583$335.0M11.80%0.24%1.67%65.4%
Q3 202581$320.7M11.60%0.53%1.73%66.8%
Q2 202573$317.0M11.44%1.04%1.66%74.8%
Q1 202572$310.9M10.97%1.22%1.79%72.4%
Q4 202478$315.6M10.60%0.20%1.40%65.6%
Q3 202472$310.0M10.21%0.77%1.42%63.2%
Q2 202476$311.7M9.96%0.24%1.48%67.9%

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).

Capital ratio12.08%
66th
Total risk-based capital0.00%
24th
Problem loans0.58%
42nd
Net charge-offs-0.00%
78th
Return on assets1.81%
81st
Net interest margin4.90%
90th
Efficiency ratio45.4%
90th
Loans to deposits75.3%
59th
Uninsured deposits22.9%
54th
Loan-loss reserves1.32%
65th
Texas ratio3.1%
47th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Stryv BankBank Wichita, KS62 out of 100, Moderate$333.3M8.9%0.00%vs
Kaw Valley BankBank Topeka, KS80 out of 100, Strong$339.5M11.9%0.00%vs
Goppert State Service BankBank Garnett, KS57 out of 100, Moderate$345.3M9.3%1.74%vs
Heritage BankBank Topeka, KS64 out of 100, Moderate$324.9M9.9%1.28%vs
KCB BankBank Lakin, KS73 out of 100, Strong$322.3M12.6%1.15%vs
First National Bank and TrustBank Phillipsburg, KS72 out of 100, Strong$322.2M14.7%1.87%vs

Deposit insurance

Is my money safe at The Citizens State Bank?

Yes. The Citizens State Bank is an FDIC-insured institution (FDIC certificate #15111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($67.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.08%, 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

10 locations

Branches

The Citizens State Bank lists 10 offices in 10 cities. Most locations:

  • Burlington, KS (1)
  • Cottonwood Falls, KS (1)
  • Emporia, KS (1)
  • Gridley, KS (1)
  • Hamilton, KS (1)
  • Le Roy, KS (1)
  • Lyndon, KS (1)
  • Madison, KS (1)
  • New Strawn, KS (1)
  • Olpe, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Citizens State Bank reported 70 home-loan applications under HMDA (LEI 2549008SG8GC5XJ48M17): 66 originated ($8,670,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.4%, 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 State Bank
Type
State-chartered bank
FDIC certificate #
15111
RSSD ID
858854
Primary regulator
FDIC
Holding company
Flint Hills Bancshares Inc
Established
January 1, 1911
Headquarters
410 Main St, Gridley, KS 66852
Employees
54

Quick answers

The Citizens State Bank: common questions

Is The Citizens State Bank FDIC insured?

Yes. The Citizens State Bank is an FDIC-insured institution (FDIC certificate #15111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Citizens State Bank's TellerScore?

81 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 State Bank ever failed?

There is no failure record for FDIC certificate #15111 in the FDIC failed bank list.

How many branches does The Citizens State Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Gridley

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers State Bank of Aliceville, KansasBank Westphalia, KS82 out of 100, Strong$179.6M19.2%1.05%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
The Bennington State BankBank Salina, KS75 out of 100, Strong$1.4B9.5%0.29%vs
Quantum Credit UnionCredit union Wichita, KS74 out of 100, Strong$143.0M11.4%0.40%vs
Bank of CommerceBank Chanute, KS74 out of 100, Strong$497.5M9.2%0.05%vs