Citizens National Bank (FDIC #4678): Bank Stress & Real-Estate Credit Exposure
Citizens National Bank (FDIC Cert #4678): bank stress 83/100, severe, STABLE over 7 days; parent PADGETT AGENCY INC.
Citizens National Bank (#4678) lends in 5 counties across 1 state; Citizens National Bank (#4678) reaches 53 ZIP codes: Kansas 5 counties, 53 ZIPs.
Citizens National Bank (#4678) largest markets: Republic County, KS (16 branches, 16 ZIPs) (#4678), Washington County, KS (15 branches, 15 ZIPs) (#4678), Leavenworth County, KS (26 branches, 13 ZIPs) (#4678), Clay County, KS (10 branches, 10 ZIPs) (#4678), Cloud County, KS (16 branches, 8 ZIPs) (#4678).
Citizens National Bank (#4678) reports $229.0 million in total assets; Citizens National Bank (#4678) equity $13.3 million (5.8% of Citizens National Bank (#4678) assets); Citizens National Bank (#4678) domestic deposits $214.7 million; Citizens National Bank (#4678) net income $1.0 million; Citizens National Bank (#4678) return on assets 0.91%; Citizens National Bank (#4678) return on equity 13.08%; Citizens National Bank (#4678) net interest income $3.5 million; Citizens National Bank (#4678) call report June 30, 2026.
Citizens National Bank (#4678) noncurrent real-estate loans: none reported; Citizens National Bank (#4678) net charge-offs on real estate 0.00%.
Citizens National Bank (#4678) net interest margin 3.24% against an eight-quarter Citizens National Bank (#4678) average of 2.89% (Citizens National Bank (#4678) compression -0.35 points); Citizens National Bank (#4678) rate-exposure score 40/100, Citizens National Bank (#4678) fixed-rate trap 40/100; Citizens National Bank (#4678) risk type credit driven; Citizens National Bank (#4678) rate regime rates elevated, Citizens National Bank (#4678) snapshot October 19, 2026.
Citizens National Bank (#4678) stress score moved from 83 on June 22, 2026 to 82.9 on October 19, 2026; Citizens National Bank (#4678) ranged 82.9 to 83 over 116 snapshots.
Citizens National Bank (#4678) alerts: 5 counties; top Citizens National Bank (#4678) alert scores: Leavenworth County, KS 32 (low); Belleville County, KS 28 (low); Clay Center County, KS 28 (low); Concordia County, KS 28 (low); Greenleaf County, KS 28 (low).