TellerScore

The Citizens State Bank (FDIC certificate #15261) is based in Hugoton, Kansas. Its Q2 2026 call report shows $137.5M in total assets and $118.4M in deposits and 1 office.

The Citizens State 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 59th. Problem-loan coverage contributes the most (98/100, 1.1%); earnings contributes the least (64/100, 1.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Tier 1 leverage ratio: 13.54%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 58.8% · 46.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.10%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
787980Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202479
Q3 202479
Q4 202478
Q1 202578
Q2 202579
Q3 202579
Q4 202579
Q1 202678
Q2 202680
Tier 1 leverage ratio
5.00%9.61%14.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.25%
Q3 202413.65%
Q4 202413.37%
Q1 202512.68%
Q2 202513.24%
Q3 202514.23%
Q4 202514.07%
Q1 202613.26%
Q2 202613.54%
Noncurrent loans
0.00%0.18%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.32%
Q4 20250.32%
Q1 20260.36%
Q2 20260.30%
Return on assets
0.62%0.86%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.62%
Q4 20240.66%
Q1 20250.71%
Q2 20250.81%
Q3 20250.78%
Q4 20250.88%
Q1 20260.92%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$137.5M13.54%0.30%1.09%58.8%
Q1 202678$143.0M13.26%0.36%0.92%55.0%
Q4 202579$139.3M14.07%0.32%0.88%64.7%
Q3 202579$130.1M14.23%0.32%0.78%71.6%
Q2 202579$130.7M13.24%0.00%0.81%65.3%
Q1 202578$138.3M12.68%0.00%0.71%57.3%
Q4 202478$138.9M13.37%0.00%0.66%65.8%
Q3 202479$135.0M13.65%0.00%0.62%70.8%
Q2 202479$130.7M13.25%0.00%0.71%69.1%

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 ratio13.54%
79th
Total risk-based capital0.00%
24th
Problem loans0.30%
57th
Net charge-offs0.01%
48th
Return on assets1.09%
40th
Net interest margin3.61%
33rd
Efficiency ratio58.2%
63rd
Loans to deposits58.8%
84th
Uninsured deposits46.9%
6th
Loan-loss reserves1.19%
49th
Texas ratio1.1%
68th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
First Commerce BankBank Marysville, KS79 out of 100, Strong$138.5M11.8%0.26%vs
Elk State BankBank Clyde, KS68 out of 100, Moderate$138.7M8.2%0.00%vs
The Riley State Bank of Riley, KansasBank Riley, KS78 out of 100, Strong$132.0M10.5%0.00%vs
The Bendena State BankBank Bendena, KS77 out of 100, Strong$131.5M10.0%0.00%vs
The First National Bank in CimarronBank Cimarron, KS80 out of 100, Strong$143.5M9.6%0.25%vs
Community Bank of Wichita, Inc.Bank Wichita, KS63 out of 100, Moderate$128.3M8.6%0.72%vs

Deposit insurance

Is my money safe at The Citizens State Bank?

Yes. The Citizens State Bank is an FDIC-insured institution (FDIC certificate #15261). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.9% of deposits ($55.5M) 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 13.54%, 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

1 location

Branches

The Citizens State Bank lists 1 office in 1 city. Most locations:

  • Hugoton, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Citizens State Bank
Type
State-chartered bank
FDIC certificate #
15261
RSSD ID
937759
Primary regulator
FDIC
Holding company
Hugoton Bancshares Inc
Established
April 1, 1913
Headquarters
601 S Main St, Hugoton, KS 67951
Employees
19

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 #15261). 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?

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 The Citizens State Bank ever failed?

There is no failure record for FDIC certificate #15261 in the FDIC failed bank list.

How many branches does The Citizens State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hugoton

InstitutionScoreAssetsCapitalProblem loansCompare
Centera BankBank Sublette, KS78 out of 100, Strong$318.1M9.6%0.01%vs
Equity BankBank Andover, KS65 out of 100, Moderate$7.7B10.6%1.18%vs
Dream First Bank, National AssociationBank Syracuse, KS55 out of 100, Moderate$963.7M9.7%1.86%vs