Citizens State Bank&Trust Co (FDIC #15254): Bank Stress & Real-Estate Credit Exposure
Citizens State Bank&Trust Co (FDIC Cert #15254): bank stress 57/100, moderate, STABLE over 7 days; parent CENTRAL KANSAS BANCSHARES INC.
Citizens State Bank&Trust Co (#15254) lends in 7 counties across 1 state; Citizens State Bank&Trust Co (#15254) reaches 71 ZIP codes: Kansas 7 counties, 71 ZIPs.
Citizens State Bank&Trust Co (#15254) largest markets: Marshall County, KS (13 branches, 13 ZIPs) (#15254), Mcpherson County, KS (13 branches, 13 ZIPs) (#15254), Dickinson County, KS (12 branches, 12 ZIPs) (#15254), Lyon County, KS (12 branches, 12 ZIPs) (#15254), Miami County, KS (11 branches, 11 ZIPs) (#15254), Saline County, KS (9 branches, 9 ZIPs) (#15254).
Citizens State Bank&Trust Co (#15254) reports $96.1 million in total assets; Citizens State Bank&Trust Co (#15254) equity $8.2 million (8.6% of Citizens State Bank&Trust Co (#15254) assets); Citizens State Bank&Trust Co (#15254) domestic deposits $84.3 million; Citizens State Bank&Trust Co (#15254) net income $878,000; Citizens State Bank&Trust Co (#15254) return on assets 1.95%; Citizens State Bank&Trust Co (#15254) return on equity 23.33%; Citizens State Bank&Trust Co (#15254) net interest income $2.2 million; Citizens State Bank&Trust Co (#15254) call report June 30, 2026.
Citizens State Bank&Trust Co (#15254) noncurrent real-estate loans: none reported; Citizens State Bank&Trust Co (#15254) net charge-offs on real estate 0.00%.
Citizens State Bank&Trust Co (#15254) net interest margin 5.17% against an eight-quarter Citizens State Bank&Trust Co (#15254) average of 5.45% (Citizens State Bank&Trust Co (#15254) compression 0.28 points); Citizens State Bank&Trust Co (#15254) rate-exposure score 40/100, Citizens State Bank&Trust Co (#15254) fixed-rate trap 40/100; Citizens State Bank&Trust Co (#15254) risk type credit driven; Citizens State Bank&Trust Co (#15254) rate regime rates elevated, Citizens State Bank&Trust Co (#15254) snapshot October 19, 2026.
Citizens State Bank&Trust Co (#15254) stress score moved from 58.2 on June 22, 2026 to 56.6 on October 19, 2026; Citizens State Bank&Trust Co (#15254) ranged 56.6 to 58.2 over 116 snapshots.
Citizens State Bank&Trust Co (#15254) alerts: 7 counties; top Citizens State Bank&Trust Co (#15254) alert scores: Bremen County, KS 21 (low); Council Grove County, KS 21 (low); Gypsum County, KS 21 (low); Louisburg County, KS 21 (low); Reading County, KS 21 (low).