Citizens State Bank and Trust Co., Ellsworth, Kansas

Ellsworth, KS

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth, KS	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.30
Capitalization Index	8.20
Liquidity Index	3.40
Profitability Index	5.00
Stability Index	3.60

Company Info	Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth, KS	Click to Compare	Click to Compare	Click to Compare
FDIC Number	11778
Phone Number	(785) 472-3141
Website	secure.csbanc.com

Asset Quality	Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth, KS	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	3.66%
5-Year Asset Growth	5.22%
5-Year Charge-Offs to Average Loans	0.01%
Charge-Offs to Average Loans	0.01%
Non-Performing Assets to Assets	0.06%
Non-Performing Loans to Capital	0.46%
Non-Performing Loans to Loans	0.09%

Balance Sheet	Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth, KS	Click to Compare	Click to Compare	Click to Compare
Total Assets	263.72M
Total Deposits	194.64M

Capital and Reserves	Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth, KS	Click to Compare	Click to Compare	Click to Compare
Capital	19.80M
Leverage Ratio	9.78
Loan Loss Reserves to Loans	1.16%
Risk-Based Capital Ratio	18.24

Liquidity	Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth, KS	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	18.03%
Liquidity Ratio	12.46%

Profitability	Citizens State Bank and Trust Co., Ellsworth, Kansas Ellsworth, KS	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.04%
Net Income	2.56M
Net Interest Spread	2.76%
Operating Profit to Average Assets	1.27%
Overhead Efficiency Ratio	62.28%
Return on Assets	1.24%
Return on Equity	19.57%