B
Citizens State Bank and Trust Company
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 and Trust Company
Hiawatha, KS
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Rating B
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 8.90
Stability Index 6.30
Company Info Citizens State Bank and Trust Company
Hiawatha, KS
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FDIC Number 5830
Phone Number (785) 742-2101
Website www.csbkansas.com
Asset Quality Citizens State Bank and Trust Company
Hiawatha, KS
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1-Year Asset Growth 7.77%
5-Year Asset Growth 2.16%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.05%
Non-Performing Loans to Loans 0.01%
Balance Sheet Citizens State Bank and Trust Company
Hiawatha, KS
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Total Assets 99.81M
Total Deposits 74.93M
Capital and Reserves Citizens State Bank and Trust Company
Hiawatha, KS
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Capital 17.96M
Leverage Ratio 18.34
Loan Loss Reserves to Loans 0.95%
Risk-Based Capital Ratio 29.66
Liquidity Citizens State Bank and Trust Company
Hiawatha, KS
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Hot Money Ratio 1.75%
Liquidity Ratio 17.80%
Profitability Citizens State Bank and Trust Company
Hiawatha, KS
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5-Year Return on Average Assets 1.19%
Net Income 1.62M
Net Interest Spread 4.53%
Operating Profit to Average Assets 2.22%
Overhead Efficiency Ratio 56.94%
Return on Assets 2.15%
Return on Equity 12.42%