Side-by-side · Q2 2026 data
First National Bank of Kansas vs Citizens State Bank and Trust Company
Metric by metric
| Measure | First National Bank of Kansas | Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 67 | 95 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 95 (stronger) | 93 |
| Earnings | 51 | 100 (stronger) |
| Funding & liquidity | 71 | 79 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 34th | 99th |
| Total assets | $105.6M | $103.6M |
| Deposits / shares | $94.7M | $79.6M |
| Capital ratio | 9.06% | 18.31% (stronger) |
| Problem loans | 0.14% (stronger) | 0.21% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.78% | 2.10% (stronger) |
| Loans ÷ deposits | 44.9% (stronger) | 81.7% |
| Uninsured deposits | 41.0% | 15.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank and Trust Company has the higher TellerScore (95 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Kansas leads on 2 and Citizens State Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.