The Citizens State Bank is a state-chartered bank headquartered in Moundridge, Kansas, in business for about 122 years. At the end of Q2 2026 it reported $450.6M in total assets and $382.3M in deposits, with 9 offices.
The Citizens State Bank has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 2nd. Loan quality contributes the most (100/100, 0.01%); earnings contributes the least (88/100, 1.69%).
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 8 points (87 → 95), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 89 |
| Q4 2024 | 89 |
| Q1 2025 | 88 |
| Q2 2025 | 87 |
| Q3 2025 | 89 |
| Q4 2025 | 90 |
| Q1 2026 | 94 |
| Q2 2026 | 95 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.43% |
| Q3 2024 | 13.65% |
| Q4 2024 | 13.62% |
| Q1 2025 | 13.85% |
| Q2 2025 | 14.13% |
| Q3 2025 | 14.12% |
| Q4 2025 | 14.04% |
| Q1 2026 | 14.24% |
| Q2 2026 | 14.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.55% |
| Q3 2024 | 1.51% |
| Q4 2024 | 1.56% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.28% |
| Q4 2025 | 1.44% |
| Q1 2026 | 1.75% |
| Q2 2026 | 1.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 95 | $450.6M | 14.45% | 0.01% | 1.69% | 57.8% |
| Q1 2026 | 94 | $452.7M | 14.24% | 0.02% | 1.75% | 57.1% |
| Q4 2025 | 90 | $436.0M | 14.04% | 0.18% | 1.44% | 60.2% |
| Q3 2025 | 89 | $441.1M | 14.12% | 0.15% | 1.28% | 59.9% |
| Q2 2025 | 87 | $424.2M | 14.13% | 0.22% | 1.22% | 63.7% |
| Q1 2025 | 88 | $438.4M | 13.85% | 0.16% | 1.25% | 60.6% |
| Q4 2024 | 89 | $434.3M | 13.62% | 0.13% | 1.56% | 65.2% |
| Q3 2024 | 89 | $431.0M | 13.65% | 0.08% | 1.51% | 61.3% |
| Q2 2024 | 88 | $431.9M | 13.43% | 0.16% | 1.55% | 61.2% |
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 |
|---|---|---|---|---|---|
| The Denison State BankBank Holton, KS | 87 out of 100, Very strong | $453.6M | 17.5% | 1.08% | vs |
| Bank of the PlainsBank Plains, KS | 71 out of 100, Strong | $445.6M | 9.3% | 0.44% | vs |
| The Citizens State BankBank Marysville, KS | 65 out of 100, Moderate | $442.4M | 9.8% | 1.28% | vs |
| Solutions North BankBank Stockton, KS | 77 out of 100, Strong | $469.5M | 10.9% | 0.28% | vs |
| The Union State Bank of EverestBank Everest, KS | 68 out of 100, Moderate | $427.3M | 10.0% | 1.06% | vs |
| Astra BankBank Scandia, KS | 70 out of 100, Strong | $423.3M | 9.3% | 0.03% | vs |
Deposit insurance
Is my money safe at The Citizens State Bank?
Yes. The Citizens State Bank is an FDIC-insured institution (FDIC certificate #17672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.5% of deposits ($85.8M) 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 14.45%, 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%).
9 locations
Branches
The Citizens State Bank lists 8 offices in 6 cities. Most locations:
- Mcpherson, KS (2)
- Newton, KS (2)
- Canton, KS (1)
- Goessel, KS (1)
- Hesston, KS (1)
- Moundridge, KS (1)
HMDA 2025
Mortgage lending
In 2025, The Citizens State Bank reported 91 home-loan applications under HMDA (LEI 549300NBFJM2PBH24L77): 80 originated ($14,040,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, 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 #
- 17672
- RSSD ID
- 273550
- Primary regulator
- FDIC
- Holding company
- Goering Management Co Llc
- Established
- August 1, 1904
- Headquarters
- 201 S Christian Ave, Moundridge, KS 67107
- Website
- www.thecsb.com
- Employees
- 87
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 #17672). 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?
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 The Citizens State Bank ever failed?
There is no failure record for FDIC certificate #17672 in the FDIC failed bank list.
How many branches does The Citizens State Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Moundridge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State Bank of Canton, Canton, KansasBank Canton, KS | 91 out of 100, Very strong | $36.6M | 22.1% | 0.00% | vs |
| The Walton State BankBank Walton, KS | 84 out of 100, Strong | $13.0M | 15.4% | 0.00% | vs |
| First Bank KansasBank Salina, KS | 79 out of 100, Strong | $618.5M | 8.8% | 0.04% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |
| The Farmers State BankBank Mcpherson, KS | 78 out of 100, Strong | $180.5M | 10.0% | 0.01% | vs |
| Vintage Bank KansasBank Leon, KS | 78 out of 100, Strong | $288.6M | 11.6% | 0.53% | vs |