Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.1. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.4 has resulted in Excellent (9.4) profitability.
Other Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (21%), securities (18%), cash (12%), comm loans (10%), comm re (9%), consumer loans (7%), other (24%)
States with Branches:
KS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Citizens State Bancshares, Inc.
Investment Rating
--
Address
306 North Main Street
Cheney, KS 67025
Cheney, KS 67025
Phone Number
(316) 542-3142
Year Founded
1884
FDIC Number
Website
Largest Affiliates
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