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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Kingman, KS · FDIC certificate #4707
CITIZENS BANK OF KANSAS is an FDIC-insured institution based in Kingman, KS (FDIC certificate #4707). In its Q3 2026 Call Report it reported total assets of $511M, total deposits of $477M and net loans of $239M. Its primary federal regulator is FED.
Plain-language readout
CITIZENS BANK OF KANSAS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $548M in Q2 2026 and were lowest at $511M in Q3 2026.
Total deposits were highest at $499M in Q2 2026 and lowest at $477M in Q3 2026.
Over the whole period total assets fell 6.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $511M | $477M | $239M | 1.04% | 18.60% | 3.42% |
| Q2 2026 | $548M | $499M | $237M | 1.01% | 16.67% | 3.34% |
| Q1 2026 | $544M | $497M | $235M | 0.95% | 15.78% | 3.30% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $35.3M | $49.1M | -$13.8M | -28.2% |
| Federal funds sold | $2.1M | $41K | +$2.0M | +4909.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $237.8M | $222.9M | +$14.9M | +6.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $379K | $106K | +$273K | +257.5% |
| Net loans and leases (after allowance) | $236.2M | $235.2M | +$950K | +0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.4M | $7.3M | +$142K | +2.0% |
| Other real estate owned | $172K | $193K | -$21K | -10.9% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $14.6M | $14.6M | -$22K | -0.2% |
| All other assets | $14.6M | $14.5M | +$112K | +0.8% |
| Total assets | $548.4M | $543.9M | +$4.5M | +0.8% |
| Liabilities | ||||
| Total deposits | $498.6M | $497.5M | +$1.1M | +0.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.0M | $15.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.1M | $991K | +$89K | +9.0% |
| Total liabilities | $514.7M | $513.5M | +$1.2M | +0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $31.8M | $31.8M | $0K | 0.0% |
| Retained earnings | $29.6M | $29.1M | +$523K | +1.8% |
| Accumulated other comprehensive income | -$28.1M | -$30.8M | +$2.8M | +9.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $33.8M | $30.5M | +$3.3M | +10.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $222K | $306K | -$84K | -27.5% |
| Adjusted nonperforming assets | $222K | $306K | -$84K | -27.5% |
| Tangible equity plus allowance | $21.7M | $18.4M | +$3.3M | +17.8% |
| Texas ratio (gross) | 1.02% | 1.66% | -0.64 pts | See points |
| Texas ratio (adjusted) | 1.02% | 1.66% | -0.64 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.02% | 1.66% | -0.64 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.01% | 15.20% | -0.18 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.01% | 15.20% | -0.18 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.81% | 0.84% | -0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.82% | 16.04% | -0.21 pts | See points |
| Tier 1 leverage (approximate) | 8.53% | 8.61% | -0.08 pts | See points |
| Construction and land loans to total capital | 18.60% | 16.87% | +1.73 pts | See points |
| Commercial real estate to total capital | 85.73% | 88.18% | -2.45 pts | See points |
| Dividend payout, year to date | 68.05% | 72.61% | -4.56 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -58.56% | -65.08% | +6.53 pts | See points |
| Liquidity | ||||
| Core deposits | $479.7M | $479.6M | +$157K | +0.0% |
| Non-core funding | $33.9M | $32.9M | +$969K | +2.9% |
| Loans to core deposits | 49.76% | 49.58% | +0.18 pts | See points |
| Loans to deposits | 47.87% | 47.80% | +0.08 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 58.17% | 61.73% | -3.56 pts | See points |
| Loans pledged, share of loans | 24.20% | 25.81% | -1.61 pts | See points |
| Volatile liabilities | $33.9M | $32.9M | +$969K | +2.9% |
| Earnings | ||||
| Earnings before provision, year to date | $2.8M | $1.3M | +$1.5M | +112.2% |
| Earnings before provision, single quarter | $1.5M | $1.3M | +$161K | +12.2% |
| Provision for credit losses, year to date | $8K | $10K | -$2K | -20.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.21% | 6.16% | +0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 3.50% | 3.57% | -0.08 pts | See points |
| Total interest income to average assets | 3.95% | 3.90% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.07% | 0.12% | -0.05 pts | See points |
| Cost of savings and money market deposits | 1.15% | 1.12% | +0.02 pts | See points |
| Cost of time deposits | 3.25% | 3.30% | -0.05 pts | See points |
| Total interest expense to average assets | 1.01% | 1.02% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $511M | $477M | $239M | 1.04% | 18.60% | 3.42% |
| 2026-06-30 | $548M | $499M | $237M | 1.01% | 16.67% | 3.34% |
| 2026-03-31 | $544M | $497M | $235M | 0.95% | 15.78% | 3.30% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $471.3M | 0.46% | 48 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.