What is The Citizens National Bank's financial health grade?

The Citizens National Bank has a TFS Financial Health Grade of C- (score: 70.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Citizens National Bank have?

The Citizens National Bank has 7 branch locations across the United States.

Is The Citizens National Bank FDIC insured?

Yes, The Citizens National Bank is FDIC insured (Certificate #4678).

What are the total assets of The Citizens National Bank?

The Citizens National Bank has total assets of $224.2M as reported in its most recent FDIC filing.

The Citizens National Bank

BankGreenleaf, Kansas

www.thecnb.bank

Total Assets

$224.2M

Total Deposits

$199.7M

Branches

Established

1915

TFS Health Grade

C-

70.6 / 100

Average financial health

How we grade

The Citizens National Bank is a bank headquartered in Greenleaf, Kansas, established in 1915. With $224.2M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C- (70.6/100).

Capital & Safety

Tier 1 Capital Ratio

10.65%(8%)

Total Capital Ratio

20.04%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

0.71%(1%)

Return on Equity (ROE)

10.34%(10%)

Net Interest Margin

2.97%

Efficiency Ratio

75.39%(60%)

Lending & Liquidity

Total Loans

$108.6M

Loan-to-Deposit Ratio

53.55%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+5.43%

Deposit Growth (YoY)

+1.63%

Net Income

$1.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Citizens National BankHQ	417 Commercial St	Greenleaf	KS	11
The Citizens National Bank	2115 M St	Belleville	KS	11
The Citizens National Bank	615 Court St	Clay Center	KS	11
The Citizens National Bank	335 W 6th St	Concordia	KS	23
The Citizens National Bank	115 W 6th St	Concordia	KS	11
The Citizens National Bank	601 N Main St	Lansing	KS	11
The Citizens National Bank	601 Delaware St	Leavenworth	KS	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.