D
Citizens State Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
10.51
Leverage
Ratio
8.20
Return On
Assets
1.98%
Total
Assets
85.49M
Capital
6.99M
Total
Deposits
72.03M
Net
Income
1.21M
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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 6.20
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
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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 10.94%
5-Year Asset Growth 12.36%
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 85.49M
Total Deposits 72.03M
Capital and Reserves Citizens State Bank and Trust Company
Council Grove, KS 		Click to
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Capital 6.99M
Leverage Ratio 8.20
Loan Loss Reserves to Loans 0.98%
Risk-Based Capital Ratio 10.51
Liquidity Citizens State Bank and Trust Company
Council Grove, KS 		Click to
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Hot Money Ratio 43.12%
Liquidity Ratio 8.01%
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 1.21M
Net Interest Spread 5.41%
Operating Profit to Average Assets 2.01%
Overhead Efficiency Ratio 59.20%
Return on Assets 1.98%
Return on Equity 23.55%