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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ellsworth, KS · FDIC certificate #11778
CITIZENS ST B&T ELLSWORTH KS is an FDIC-insured institution based in Ellsworth, KS (FDIC certificate #11778). In its Q3 2026 Call Report it reported total assets of $269M, total deposits of $204M and net loans of $174M. Its primary federal regulator is FED.
Plain-language readout
CITIZENS ST B&T ELLSWORTH KS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $276M in Q2 2026 and were lowest at $269M in Q3 2026.
Total deposits were highest at $212M in Q1 2026 and lowest at $204M in Q3 2026.
Over the whole period total assets fell 2.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $269M | $204M | $174M | 1.52% | 20.34% | 3.30% |
| Q2 2026 | $276M | $211M | $168M | 1.55% | 20.47% | 3.30% |
| Q1 2026 | $275M | $212M | $163M | 1.52% | 20.30% | 3.30% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.1M | $14.5M | -$2.3M | -16.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $84.9M | $87.5M | -$2.6M | -3.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $168.4M | $162.9M | +$5.5M | +3.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.1M | $2.0M | +$7K | +0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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) | $2.1M | $2.1M | $0K | 0.0% |
| All other assets | $6.3M | $6.1M | +$186K | +3.0% |
| Total assets | $275.9M | $275.2M | +$731K | +0.3% |
| Liabilities | ||||
| Total deposits | $211.4M | $212.2M | -$768K | -0.4% |
| 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 | $42.5M | $41.5M | +$1.0M | +2.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $750K | $591K | +$159K | +26.9% |
| Total liabilities | $254.7M | $254.3M | +$391K | +0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $600K | $600K | $0K | 0.0% |
| Surplus | $13.7M | $13.7M | $0K | 0.0% |
| Retained earnings | $15.6M | $15.0M | +$539K | +3.6% |
| Accumulated other comprehensive income | -$8.6M | -$8.4M | -$199K | -2.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.3M | $20.9M | +$340K | +1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $203K | $134K | +$69K | +51.5% |
| Adjusted nonperforming assets | $203K | $134K | +$69K | +51.5% |
| Tangible equity plus allowance | $21.2M | $20.8M | +$365K | +1.8% |
| Texas ratio (gross) | 0.96% | 0.64% | +0.32 pts | See points |
| Texas ratio (adjusted) | 0.96% | 0.64% | +0.32 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.74% | 9.58% | +0.16 pts | See points |
| Construction and land loans to total capital | 2.93% | 2.80% | +0.14 pts | See points |
| Commercial real estate to total capital | 17.21% | 17.11% | +0.10 pts | See points |
| Dividend payout, year to date | 51.28% | 52.08% | -0.80 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -32.33% | -32.20% | -0.12 pts | See points |
| Liquidity | ||||
| Core deposits | $179.2M | $179.6M | -$432K | -0.2% |
| Non-core funding | $74.7M | $74.1M | +$664K | +0.9% |
| Loans to core deposits | 95.13% | 91.83% | +3.30 pts | See points |
| Loans to deposits | 80.62% | 77.73% | +2.89 pts | See points |
| Brokered deposits share of deposits | 4.52% | 4.51% | +0.02 pts | See points |
| Pledged securities share of securities | 71.70% | 80.63% | -8.93 pts | See points |
| Loans pledged, share of loans | 71.12% | 66.96% | +4.16 pts | See points |
| Volatile liabilities | $74.7M | $74.1M | +$664K | +0.9% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.1M | +$1.2M | +104.1% |
| Earnings before provision, single quarter | $1.2M | $1.1M | +$46K | +4.1% |
| Provision for credit losses, year to date | $72K | $36K | +$36K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.53% | 6.42% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.94% | 3.61% | +0.33 pts | See points |
| Total interest income to average assets | 4.91% | 4.76% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.22% | 0.22% | -0.01 pts | See points |
| Cost of savings and money market deposits | 2.49% | 2.45% | +0.04 pts | See points |
| Cost of time deposits | 3.43% | 3.46% | -0.04 pts | See points |
| Total interest expense to average assets | 1.88% | 1.71% | +0.17 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 | $269M | $204M | $174M | 1.52% | 20.34% | 3.30% |
| 2026-06-30 | $276M | $211M | $168M | 1.55% | 20.47% | 3.30% |
| 2026-03-31 | $275M | $212M | $163M | 1.52% | 20.30% | 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 | $199.6M | 0.20% | 98 | 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.