The Citizens State Bank
Total assets
$442.4M
▲ +6.0% YoY
Deposits
$381.2M
▲ +9.6% YoY
Loans
$340.8M
▲ +6.6% YoY
Offices
4
COMMUNITY BANCSHARES MARYSVILLE
ROA (annualized)
2.11%
peers 1.24%
ROE (annualized)
26.83%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +9.6% | +4.0% | +5.6 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.1 pts |
| ROA | 2.11% | 1.24% | +0.9 pts |
| ROE | 26.8% | 11.9% | +15.0 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
Profile
- Established
- 1907
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- COMMUNITY BANCSHARES MARYSVILLE
- Specialization
- Agricultural Specialization
- Address
- 800 Broadway, Marysville, KS, 66508
- County
- Marshall
- Offices
- 4
- FDIC cert #
- 14269
- RSSD ID
- 572459
- 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 | $442.4M | $381.2M | $340.8M | $34.6M | $4.6M | 2.11% | 3.81% | 1.00% |
| Q1 2026 | $436.1M | $382.6M | $327.0M | $34.1M | $2.3M | 2.16% | 3.73% | 1.08% |
| Q4 2025 | $430.2M | $364.8M | $328.2M | $34.0M | $8.6M | 2.07% | 3.64% | 1.07% |
| Q3 2025 | $416.8M | $340.8M | $319.4M | $33.3M | $6.8M | 2.19% | 3.65% | 1.04% |
| Q2 2025 | $417.2M | $348.0M | $319.6M | $31.2M | $4.9M | 2.35% | 3.70% | 0.03% |
| Q1 2025 | $410.6M | $353.5M | $309.7M | $31.2M | $2.7M | 2.61% | 3.68% | 0.08% |
| Q4 2024 | $415.7M | $346.0M | $316.8M | $29.2M | $8.1M | 1.99% | 3.61% | 0.02% |
| Q3 2024 | $406.7M | $334.0M | $304.0M | $32.0M | $6.3M | 2.08% | 3.63% | 0.04% |
Loan mix (Q2 2026): real estate $186.1M · commercial $38.4M · consumer $3.5M · securities $74.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | The Citizens State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 26.8% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.7% | 62.9% | 2th | |
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 | The Citizens State Bank | 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 | The Citizens State Bank | 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 | The Citizens State Bank | 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 | The Citizens State Bank | 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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