Side-by-side · Q2 2026 data
The Citizens National Bank vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | The Citizens National Bank | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 37 | 40 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 57 | 98 (stronger) |
| Funding & liquidity | 94 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 50th | 54th |
| Total assets | $229.0M | $96.1M |
| Deposits / shares | $214.7M | $84.3M |
| Capital ratio | 8.66% | 8.96% (stronger) |
| Problem loans | 0.00% (stronger) | 0.11% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.91% | 1.95% (stronger) |
| Loans ÷ deposits | 50.6% (stronger) | 96.8% |
| Uninsured deposits | 20.5% | 15.5% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
The Citizens State Bank and Trust Company has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank leads on 2 and The Citizens State Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.