B
Citizens State Bank and Trust Co., Ellsworth, Kansas
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.61
Return On
Assets
1.23%
Total
Assets
279.75M
Capital
20.68M
Total
Deposits
215.57M
Net
Income
3.40M
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Weiss Ratings Citizens State Bank and Trust Co., Ellsworth, Kansas
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Rating B
Asset Quality Index 8.30
Capitalization Index 7.90
Liquidity Index 3.50
Profitability Index 5.00
Stability Index 3.40
Company Info Citizens State Bank and Trust Co., Ellsworth, Kansas
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FDIC Number 11778
Phone Number (785) 472-3141
Website secure.csbanc.com
Asset Quality Citizens State Bank and Trust Co., Ellsworth, Kansas
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1-Year Asset Growth 5.91%
5-Year Asset Growth 3.71%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.54%
Non-Performing Loans to Loans 0.13%
Balance Sheet Citizens State Bank and Trust Co., Ellsworth, Kansas
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Total Assets 279.75M
Total Deposits 215.57M
Capital and Reserves Citizens State Bank and Trust Co., Ellsworth, Kansas
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Capital 20.68M
Leverage Ratio 9.61
Loan Loss Reserves to Loans 1.18%
Risk-Based Capital Ratio --
Liquidity Citizens State Bank and Trust Co., Ellsworth, Kansas
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Hot Money Ratio 13.79%
Liquidity Ratio 12.05%
Profitability Citizens State Bank and Trust Co., Ellsworth, Kansas
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5-Year Return on Average Assets 1.04%
Net Income 3.40M
Net Interest Spread 2.77%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 62.43%
Return on Assets 1.23%
Return on Equity 18.74%