D
Citizens State Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
10.88
Leverage
Ratio
8.29
Return On
Assets
1.92%
Total
Assets
85.12M
Capital
7.09M
Total
Deposits
73.52M
Net
Income
1.59M
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Weiss Ratings Citizens State Bank and Trust Company
Council Grove, KS 		Click to
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Rating D
Asset Quality Index 7.20
Capitalization Index 6.30
Liquidity Index 0.10
Profitability Index 8.20
Stability Index 3.70
Company Info Citizens State Bank and Trust Company
Council Grove, KS 		Click to
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FDIC Number 15254
Phone Number (620) 767-5327
Website www.extramilebank.com
Asset Quality Citizens State Bank and Trust Company
Council Grove, KS 		Click to
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1-Year Asset Growth 11.88%
5-Year Asset Growth 8.27%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Citizens State Bank and Trust Company
Council Grove, KS 		Click to
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Total Assets 85.12M
Total Deposits 73.52M
Capital and Reserves Citizens State Bank and Trust Company
Council Grove, KS 		Click to
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Capital 7.09M
Leverage Ratio 8.29
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio 10.88
Liquidity Citizens State Bank and Trust Company
Council Grove, KS 		Click to
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Hot Money Ratio 41.30%
Liquidity Ratio 10.49%
Profitability Citizens State Bank and Trust Company
Council Grove, KS 		Click to
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5-Year Return on Average Assets 1.56%
Net Income 1.59M
Net Interest Spread 5.32%
Operating Profit to Average Assets 1.95%
Overhead Efficiency Ratio 59.54%
Return on Assets 1.92%
Return on Equity 22.96%