Citizens State Bank and Trust Co., Ellsworth, Kansas
Total assets
$275.9M
▲ +4.9% YoY
Deposits
$211.4M
▲ +5.9% YoY
Loans
$168.4M
▲ +4.8% YoY
Offices
6
CSB BANCSHARES AMENDED ESOP
ROA (annualized)
1.55%
peers 1.24%
ROE (annualized)
20.47%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +4.8% | +5.6% | -0.7 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 20.5% | 11.9% | +8.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
Profile
- Established
- 1900
- Charter
- State
- Primary regulator
- FED
- Holding company
- CSB BANCSHARES AMENDED ESOP
- Specialization
- Agricultural Specialization
- Address
- 203 N Douglas Ave, Ellsworth, KS, 67439
- County
- Ellsworth
- Offices
- 6
- FDIC cert #
- 11778
- RSSD ID
- 733951
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $275.9M | $211.4M | $168.4M | $21.3M | $2.1M | 1.55% | 3.30% | 0.07% |
| Q1 2026 | $275.2M | $212.2M | $162.9M | $20.9M | $1.1M | 1.52% | 3.30% | 0.05% |
| Q4 2025 | $279.8M | $215.6M | $165.6M | $20.7M | $3.4M | 1.27% | 2.92% | 0.03% |
| Q3 2025 | $263.7M | $194.6M | $164.8M | $19.8M | $2.6M | 1.29% | 2.94% | 0.05% |
| Q2 2025 | $263.2M | $199.6M | $160.6M | $18.4M | $1.7M | 1.26% | 2.87% | 0.04% |
| Q1 2025 | $263.7M | $199.4M | $151.7M | $16.8M | $815K | 1.24% | 2.81% | 0.17% |
| Q4 2024 | $264.1M | $199.8M | $152.3M | $14.4M | $2.2M | 0.86% | 2.44% | 0.13% |
| Q3 2024 | $254.4M | $186.1M | $154.5M | $17.6M | $1.7M | 0.88% | 2.50% | 0.19% |
Loan mix (Q2 2026): real estate $125.1M · commercial $5.4M · consumer $7.3M · securities $84.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.96% | 20th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 62.9% | 39th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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