B
Citizens State Bank
HugotonKS
Rating Date
October 2025
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 7.60
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 3.70
Stability Index 6.90
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 -3.64%
5-Year Asset Growth 0.87%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.76%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 1.29%
Non-Performing Loans to Loans 0.32%
Balance Sheet Citizens State Bank
Hugoton, KS
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Total Assets 130.07M
Total Deposits 108.92M
Capital and Reserves Citizens State Bank
Hugoton, KS
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Capital 17.94M
Leverage Ratio 14.23
Loan Loss Reserves to Loans 0.93%
Risk-Based Capital Ratio --
Liquidity Citizens State Bank
Hugoton, KS
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Hot Money Ratio 37.67%
Liquidity Ratio 5.12%
Profitability Citizens State Bank
Hugoton, KS
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5-Year Return on Average Assets 0.59%
Net Income 785.00K
Net Interest Spread 3.31%
Operating Profit to Average Assets 1.00%
Overhead Efficiency Ratio 66.71%
Return on Assets 0.76%
Return on Equity 6.10%