B
The Citizens State Bank
GridleyKS
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Citizens State Bank
Gridley, KS
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Rating B
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 9.00
Stability Index 6.30
Company Info The Citizens State Bank
Gridley, KS
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FDIC Number 15111
Phone Number (620) 836-2888
Website www.bankcsb.biz
Asset Quality The Citizens State Bank
Gridley, KS
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1-Year Asset Growth 3.44%
5-Year Asset Growth 10.45%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 1.93%
Non-Performing Loans to Loans 0.14%
Balance Sheet The Citizens State Bank
Gridley, KS
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Total Assets 320.66M
Total Deposits 282.66M
Capital and Reserves The Citizens State Bank
Gridley, KS
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Capital 35.51M
Leverage Ratio 11.60
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio --
Liquidity The Citizens State Bank
Gridley, KS
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Hot Money Ratio 12.54%
Liquidity Ratio 22.54%
Profitability The Citizens State Bank
Gridley, KS
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5-Year Return on Average Assets 1.07%
Net Income 4.10M
Net Interest Spread 4.69%
Operating Profit to Average Assets 2.24%
Overhead Efficiency Ratio 51.00%
Return on Assets 1.72%
Return on Equity 16.61%