The Citizens State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 0.8 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.2).
Other Rating Factors:
Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.6 has resulted in Excellent (9.3) profitability. Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 10.0.
Asset Mix:
Securities (17%), comm re (11%), home mtgs (8%), comm loans (7%), cash (2%), consumer loans (1%), other (55%)
States with Branches:
KS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Community Bancshares of Marysville, Inc.
Investment Rating
--
Address
800 Broadway
Marysville, KS 66508
Marysville, KS 66508
Phone Number
(785) 562-2186
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.