Citizens State Bank (FDIC #17672): Bank Stress & Real-Estate Credit Exposure

Citizens State Bank (FDIC Cert #17672): bank stress 46/100, moderate, STABLE over 7 days; parent GOERING MANAGEMENT CO LLC.

Citizens State Bank (#17672) lends in 3 counties across 1 state; Citizens State Bank (#17672) reaches 36 ZIP codes: Kansas 3 counties, 36 ZIPs.

Citizens State Bank (#17672) largest markets: Marion County, KS (19 branches, 19 ZIPs) (#17672), Harvey County, KS (39 branches, 13 ZIPs) (#17672), Mcpherson County, KS (65 branches, 13 ZIPs) (#17672).

Citizens State Bank (#17672) reports $450.6 million in total assets; Citizens State Bank (#17672) equity $58.6 million (13.0% of Citizens State Bank (#17672) assets); Citizens State Bank (#17672) domestic deposits $382.3 million; Citizens State Bank (#17672) net income $3.8 million; Citizens State Bank (#17672) return on assets 1.69%; Citizens State Bank (#17672) return on equity 13.16%; Citizens State Bank (#17672) net interest income $8.7 million; Citizens State Bank (#17672) call report June 30, 2026.

Citizens State Bank (#17672) noncurrent real-estate loans: none reported; Citizens State Bank (#17672) net charge-offs on real estate 0.01%.

Citizens State Bank (#17672) net interest margin 4.24% against an eight-quarter Citizens State Bank (#17672) average of 4.12% (Citizens State Bank (#17672) compression -0.12 points); Citizens State Bank (#17672) rate-exposure score 40/100, Citizens State Bank (#17672) fixed-rate trap 40/100; Citizens State Bank (#17672) risk type credit driven; Citizens State Bank (#17672) rate regime rates elevated, Citizens State Bank (#17672) snapshot October 19, 2026.

Citizens State Bank (#17672) stress score moved from 45.6 on June 22, 2026 to 46.2 on October 19, 2026; Citizens State Bank (#17672) ranged 45.6 to 46.2 over 116 snapshots.

Citizens State Bank (#17672) alerts: 3 counties; top Citizens State Bank (#17672) alert scores: Goessel County, KS 18 (low); Moundridge County, KS 18 (low); Newton County, KS 18 (low).