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

The Citizens State Bank has a TFS Financial Health Grade of C- (score: 72.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Citizens State Bank have?

The Citizens State Bank has 10 branch locations across the United States.

Is The Citizens State Bank FDIC insured?

Yes, The Citizens State Bank is FDIC insured (Certificate #15111).

What are the total assets of The Citizens State Bank?

The Citizens State Bank has total assets of $335.0M as reported in its most recent FDIC filing.

The Citizens State Bank

BankGridley, Kansas

www.bankcsb.bank

Total Assets

$335.0M

Total Deposits

$295.7M

Branches

Established

1911

TFS Health Grade

C-

72.0 / 100

Average financial health

How we grade

The Citizens State Bank is a bank headquartered in Gridley, Kansas, established in 1911. With $335.0M in total assets and 10 branch locations, it has a TFS Financial Health Grade of C- (72.0/100).

Capital & Safety

Tier 1 Capital Ratio

11.80%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.24%

Profitability

Return on Assets (ROA)

1.67%(1%)

Return on Equity (ROE)

15.85%(10%)

Net Interest Margin

4.73%

Efficiency Ratio

51.97%(60%)

Lending & Liquidity

Total Loans

$195.8M

Loan-to-Deposit Ratio

65.37%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+6.12%

Deposit Growth (YoY)

+4.48%

Net Income

$5.3M

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 State BankHQ	410 Main St	Gridley	KS	11
The Citizens State Bank	428 Neosho St	Burlington	KS	11
The Citizens State Bank	235 Broadway St	Cottonwood Falls	KS	11
The Citizens State Bank	1448 Industrial Rd	Emporia	KS	11
The Citizens State Bank	32 E Main St	Hamilton	KS	11
The Citizens State Bank	601 N Main St	Le Roy	KS	11
The Citizens State Bank	1400 Topeka Ave	Lyndon	KS	11
The Citizens State Bank	3rd Street And Madison Avenue	Madison	KS	11
The Citizens State Bank	407 Arrowhead Dr	New Strawn	KS	11
The Citizens State Bank	202 Westphalia St	Olpe	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.