Citizens St B&T Ellsworth Ks (FDIC #11778): Bank Stress & Real-Estate Credit Exposure
Citizens St B&T Ellsworth Ks (FDIC Cert #11778): bank stress 68/100, elevated, STABLE over 7 days; parent CSB BANCSHARES AMENDED ESOP.
Citizens St B&T Ellsworth Ks (#11778) lends in 4 counties across 1 state; Citizens St B&T Ellsworth Ks (#11778) reaches 31 ZIP codes: Kansas 4 counties, 31 ZIPs.
Citizens St B&T Ellsworth Ks (#11778) largest markets: Ottawa County, KS (22 branches, 11 ZIPs) (#11778), Lincoln County, KS (10 branches, 10 ZIPs) (#11778), Ellsworth County, KS (18 branches, 9 ZIPs) (#11778), Cloud County, KS (8 branches, 8 ZIPs) (#11778).
Citizens St B&T Ellsworth Ks (#11778) reports $275.9 million in total assets; Citizens St B&T Ellsworth Ks (#11778) equity $21.3 million (7.7% of Citizens St B&T Ellsworth Ks (#11778) assets); Citizens St B&T Ellsworth Ks (#11778) domestic deposits $211.4 million; Citizens St B&T Ellsworth Ks (#11778) net income $2.1 million; Citizens St B&T Ellsworth Ks (#11778) return on assets 1.55%; Citizens St B&T Ellsworth Ks (#11778) return on equity 20.47%; Citizens St B&T Ellsworth Ks (#11778) net interest income $4.4 million; Citizens St B&T Ellsworth Ks (#11778) call report June 30, 2026.
Citizens St B&T Ellsworth Ks (#11778) noncurrent real-estate loans: none reported; Citizens St B&T Ellsworth Ks (#11778) net charge-offs on real estate 0.04%.
Citizens St B&T Ellsworth Ks (#11778) net interest margin 3.30% against an eight-quarter Citizens St B&T Ellsworth Ks (#11778) average of 2.88% (Citizens St B&T Ellsworth Ks (#11778) compression -0.42 points); Citizens St B&T Ellsworth Ks (#11778) rate-exposure score 40/100, Citizens St B&T Ellsworth Ks (#11778) fixed-rate trap 40/100; Citizens St B&T Ellsworth Ks (#11778) risk type credit driven; Citizens St B&T Ellsworth Ks (#11778) rate regime rates elevated, Citizens St B&T Ellsworth Ks (#11778) snapshot October 19, 2026.
Citizens St B&T Ellsworth Ks (#11778) stress score moved from 67.2 on June 22, 2026 to 67.7 on October 19, 2026; Citizens St B&T Ellsworth Ks (#11778) ranged 67.2 to 67.7 over 116 snapshots.
Citizens St B&T Ellsworth Ks (#11778) alerts: 4 counties; top Citizens St B&T Ellsworth Ks (#11778) alert scores: Lincoln County, KS 41 (moderate); Ellsworth County, KS 39 (moderate); Glasco County, KS 24 (low); Minneapolis County, KS 24 (low).