TellerScore

The City State Bank (FDIC certificate #17607) is based in Fort Scott, Kansas. Its Q2 2026 call report shows $57.7M in total assets and $52.7M in deposits and 2 offices.

The City State Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 84th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (39/100, 8.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.92%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings85/100
Return on assets (annualized): 1.61%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 72.4% · 7.8% 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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
737678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202473
Q4 202474
Q1 202574
Q2 202576
Q3 202577
Q4 202577
Q1 202678
Q2 202677
Tier 1 leverage ratio
5.00%7.25%9.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.10%
Q3 20249.18%
Q4 20249.26%
Q1 20259.16%
Q2 20259.27%
Q3 20259.46%
Q4 20259.51%
Q1 20269.37%
Q2 20268.92%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
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 20260.00%
Return on assets
1.06%1.34%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.12%
Q3 20241.06%
Q4 20241.09%
Q1 20251.12%
Q2 20251.24%
Q3 20251.42%
Q4 20251.47%
Q1 20261.47%
Q2 20261.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$57.7M8.92%0.00%1.61%72.4%
Q1 202678$57.1M9.37%0.00%1.47%70.5%
Q4 202577$53.6M9.51%0.00%1.47%74.3%
Q3 202577$54.8M9.46%0.00%1.42%71.1%
Q2 202576$54.2M9.27%0.00%1.24%67.6%
Q1 202574$54.0M9.16%0.00%1.12%68.3%
Q4 202474$52.7M9.26%0.00%1.09%72.3%
Q3 202473$52.2M9.18%0.00%1.06%71.1%
Q2 202473$52.6M9.10%0.00%1.12%71.7%

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 ratio8.92%
8th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets1.61%
79th
Net interest margin4.16%
63rd
Efficiency ratio59.6%
73rd
Loans to deposits72.4%
42nd
Uninsured deposits7.8%
85th
Loan-loss reserves0.99%
30th
Texas ratio0.0%
85th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers State Bank of Blue MoundBank Blue Mound, KS76 out of 100, Strong$57.6M11.6%0.20%vs
Ford County State BankBank Spearville, KS75 out of 100, Strong$58.4M11.2%0.44%vs
Swedish-American State BankBank Courtland, KS83 out of 100, Strong$55.5M13.8%0.93%vs
The Security State BankBank Wellington, KS79 out of 100, Strong$55.1M15.6%1.44%vs
The Farmers State Bank of Bucklin, KansasBank Bucklin, KS88 out of 100, Very strong$60.8M12.9%0.00%vs
Bank of GreeleyBank Greeley, KS86 out of 100, Very strong$54.4M12.3%0.31%vs

Deposit insurance

Is my money safe at The City State Bank?

Yes. The City State Bank is an FDIC-insured institution (FDIC certificate #17607). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.8% of deposits ($4.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.92%, 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

2 locations

Branches

The City State Bank lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The City State Bank
Type
State-chartered bank
FDIC certificate #
17607
RSSD ID
738657
Primary regulator
FDIC
Holding company
City Bancshares Inc
Established
August 1, 1920
Headquarters
1012 Highway 69, Fort Scott, KS 66701
Employees
8

Quick answers

The City State Bank: common questions

Is The City State Bank FDIC insured?

Yes. The City State Bank is an FDIC-insured institution (FDIC certificate #17607). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The City State Bank's TellerScore?

77 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 City State Bank ever failed?

There is no failure record for FDIC certificate #17607 in the FDIC failed bank list.

How many branches does The City State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Scott

InstitutionScoreAssetsCapitalProblem loansCompare
The Liberty Savings Association, FSABank Fort Scott, KS86 out of 100, Very strong$28.2M24.1%0.00%vs
Metz Banking CompanyBank Nevada, MO85 out of 100, Very strong$117.3M11.6%0.00%vs
Exchange State BankBank Saint Paul, KS84 out of 100, Strong$105.0M11.6%0.00%vs
Kansas Teachers Community Credit UnionCredit union Pittsburg, KS83 out of 100, Strong$125.3M15.3%1.24%vs
The First National Bank of Nevada, MissouriBank Nevada, MO82 out of 100, Strong$122.2M16.1%0.95%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs