TellerScore

The Citizens State Bank and Trust Company (FDIC certificate #15254) is based in Council Grove, Kansas. Its Q2 2026 call report shows $96.1M in total assets and $84.3M in deposits and 7 offices.

The Citizens State Bank and Trust Company has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 94th. Earnings contributes the most (98/100, 1.95%); capital cushion contributes the least (40/100, 8.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 8.96%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings98/100
Return on assets (annualized): 1.95%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 96.8% · 15.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.97%

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 (74 → 75).

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202474
Q4 202473
Q1 202575
Q2 202574
Q3 202573
Q4 202574
Q1 202674
Q2 202675
Tier 1 leverage ratio
5.00%7.02%9.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.20%
Q3 20249.04%
Q4 20248.77%
Q1 20258.65%
Q2 20258.49%
Q3 20258.20%
Q4 20258.29%
Q1 20268.37%
Q2 20268.96%
Noncurrent loans
0.00%0.05%0.11%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 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.11%
Return on assets
1.55%1.79%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.55%
Q3 20241.67%
Q4 20241.67%
Q1 20252.04%
Q2 20252.02%
Q3 20252.00%
Q4 20251.94%
Q1 20261.87%
Q2 20261.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$96.1M8.96%0.11%1.95%96.8%
Q1 202674$88.3M8.37%0.00%1.87%96.7%
Q4 202574$85.1M8.29%0.00%1.94%97.4%
Q3 202573$85.5M8.20%0.00%2.00%102.0%
Q2 202574$83.7M8.49%0.00%2.02%99.4%
Q1 202575$79.2M8.65%0.00%2.04%99.2%
Q4 202473$76.1M8.77%0.00%1.67%100.9%
Q3 202474$77.1M9.04%0.00%1.67%98.6%
Q2 202470$74.1M8.20%0.00%1.55%94.7%

546 peers · Under $100 million in assets

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 ratio8.96%
9th
Total risk-based capital10.96%
55th
Problem loans0.11%
62nd
Net charge-offs0.00%
58th
Return on assets1.95%
88th
Net interest margin5.17%
92nd
Efficiency ratio56.6%
79th
Loans to deposits96.8%
12th
Uninsured deposits15.5%
52nd
Loan-loss reserves0.99%
31st
Texas ratio1.0%
58th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Johnson State BankBank Johnson, KS85 out of 100, Very strong$96.6M14.7%0.12%vs
The Citizens State Bank of Cheney, KansasBank Cheney, KS74 out of 100, Strong$96.7M11.1%1.30%vs
Integrity BankBank Montezuma, KS80 out of 100, Strong$99.7M10.3%0.00%vs
The Stock Exchange Bank, Caldwell, KansasBank Caldwell, KS60 out of 100, Moderate$90.3M9.0%1.03%vs
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
The First National Bank of DightonBank Dighton, KS64 out of 100, Moderate$88.5M16.1%2.39%vs

Deposit insurance

Is my money safe at The Citizens State Bank and Trust Company?

Yes. The Citizens State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.5% of deposits ($13.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.96% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

The Citizens State Bank and Trust Company lists 7 offices in 7 cities. Most locations:

  • Bremen, KS (1)
  • Council Grove, KS (1)
  • Gypsum, KS (1)
  • Louisburg, KS (1)
  • Reading, KS (1)
  • Roxbury, KS (1)
  • Woodbine, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Citizens State Bank and Trust Company
Former names
The Citizen's State Bank
Type
State-chartered bank
FDIC certificate #
15254
RSSD ID
442057
Primary regulator
FDIC
Holding company
Central Kansas Bancshares Inc
Established
January 1, 1921
Headquarters
314 Main St, Council Grove, KS 66846
Employees
26

Quick answers

The Citizens State Bank and Trust Company: common questions

Is The Citizens State Bank and Trust Company FDIC insured?

Yes. The Citizens State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Citizens State Bank and Trust Company's TellerScore?

75 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 and Trust Company ever failed?

There is no failure record for FDIC certificate #15254 in the FDIC failed bank list.

How many branches does The Citizens State Bank and Trust Company have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Council Grove

InstitutionScoreAssetsCapitalProblem loansCompare
Cottonwood Valley BankBank Cedar Point, KS90 out of 100, Very strong$38.1M14.4%0.00%vs
Credit Union of EmporiaCredit union Emporia, KS90 out of 100, Very strong$42.1M15.3%0.56%vs
Farmers and Drovers BankBank Council Grove, KS87 out of 100, Very strong$221.9M25.4%0.37%vs
The Citizens State BankBank Gridley, KS81 out of 100, Strong$336.2M12.1%0.58%vs
The Lyon County State BankBank Emporia, KS77 out of 100, Strong$212.5M9.6%0.20%vs
Emporia State Federal Credit UnionCredit union Emporia, KS75 out of 100, Strong$146.5M10.7%0.49%vs