B
Citizens State Bank
HugotonKS
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens State Bank
Hugoton, KS
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Rating B
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 4.10
Stability Index 6.70
Company Info Citizens State Bank
Hugoton, KS
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FDIC Number 15261
Phone Number (620) 544-4331
Website www.csbks.com
Asset Quality Citizens State Bank
Hugoton, KS
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1-Year Asset Growth 0.31%
5-Year Asset Growth -0.56%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.56%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 1.30%
Non-Performing Loans to Loans 0.32%
Balance Sheet Citizens State Bank
Hugoton, KS
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Total Assets 139.28M
Total Deposits 120.21M
Capital and Reserves Citizens State Bank
Hugoton, KS
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Capital 17.86M
Leverage Ratio 14.07
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio --
Liquidity Citizens State Bank
Hugoton, KS
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Hot Money Ratio 33.77%
Liquidity Ratio 13.17%
Profitability Citizens State Bank
Hugoton, KS
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5-Year Return on Average Assets 0.59%
Net Income 1.19M
Net Interest Spread 3.41%
Operating Profit to Average Assets 1.11%
Overhead Efficiency Ratio 64.47%
Return on Assets 0.87%
Return on Equity 6.87%