Citizens State Bank and Trust Company

Council Grove, KS

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Citizens State Bank and Trust Company Council Grove, KS	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	8.20
Capitalization Index	7.00
Liquidity Index	0.10
Profitability Index	8.30
Stability Index	3.70

Company Info	Citizens State Bank and Trust Company Council Grove, KS	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
1-Year Asset Growth	14.75%
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	0.09%
Non-Performing Loans to Capital	0.97%
Non-Performing Loans to Loans	0.11%

Balance Sheet	Citizens State Bank and Trust Company Council Grove, KS	Click to Compare	Click to Compare	Click to Compare
Total Assets	96.10M
Total Deposits	84.34M

Capital and Reserves	Citizens State Bank and Trust Company Council Grove, KS	Click to Compare	Click to Compare	Click to Compare
Capital	8.23M
Leverage Ratio	8.96
Loan Loss Reserves to Loans	0.99%
Risk-Based Capital Ratio	10.96

Liquidity	Citizens State Bank and Trust Company Council Grove, KS	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	43.28%
Liquidity Ratio	10.22%

Profitability	Citizens State Bank and Trust Company Council Grove, KS	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.62%
Net Income	878.00K
Net Interest Spread	5.15%
Operating Profit to Average Assets	2.01%
Overhead Efficiency Ratio	57.14%
Return on Assets	1.97%
Return on Equity	23.54%