Citizens State Bank (FDIC #15111): Bank Stress & Real-Estate Credit Exposure
Citizens State Bank (FDIC Cert #15111): bank stress 48/100, moderate, STABLE over 7 days; parent FLINT HILLS BANCSHARES INC.
Citizens State Bank (#15111) lends in 5 counties across 1 state; Citizens State Bank (#15111) reaches 46 ZIP codes: Kansas 5 counties, 46 ZIPs.
Citizens State Bank (#15111) largest markets: Osage County, KS (15 branches, 15 ZIPs) (#15111), Lyon County, KS (24 branches, 12 ZIPs) (#15111), Chase County, KS (11 branches, 11 ZIPs) (#15111), Greenwood County, KS (22 branches, 11 ZIPs) (#15111), Coffey County, KS (40 branches, 10 ZIPs) (#15111).
Citizens State Bank (#15111) reports $336.2 million in total assets; Citizens State Bank (#15111) equity $39.4 million (11.7% of Citizens State Bank (#15111) assets); Citizens State Bank (#15111) domestic deposits $294.5 million; Citizens State Bank (#15111) net income $3.0 million; Citizens State Bank (#15111) return on assets 1.81%; Citizens State Bank (#15111) return on equity 15.93%; Citizens State Bank (#15111) net interest income $7.6 million; Citizens State Bank (#15111) call report June 30, 2026.
Citizens State Bank (#15111) noncurrent real-estate loans: none reported; Citizens State Bank (#15111) net charge-offs on real estate 0.71%; Citizens State Bank (#15111) residential charge-offs 7.82%.
Citizens State Bank (#15111) net interest margin 4.90% against an eight-quarter Citizens State Bank (#15111) average of 4.58% (Citizens State Bank (#15111) compression -0.32 points); Citizens State Bank (#15111) non-residential real estate 782.2% of equity; Citizens State Bank (#15111) rate-exposure score 40/100, Citizens State Bank (#15111) fixed-rate trap 40/100; Citizens State Bank (#15111) risk type credit driven; Citizens State Bank (#15111) rate regime rates elevated, Citizens State Bank (#15111) snapshot October 19, 2026.
Citizens State Bank (#15111) stress score moved from 43.2 on June 22, 2026 to 48.3 on October 19, 2026; Citizens State Bank (#15111) ranged 43.2 to 48.3 over 116 snapshots.
Citizens State Bank (#15111) alerts: 5 counties; top Citizens State Bank (#15111) alert scores: Cottonwood Falls County, KS 18 (low); Le Roy County, KS 18 (low); Lyndon County, KS 18 (low); Madison County, KS 18 (low); Olpe County, KS 18 (low).