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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Marysville, KS · FDIC certificate #14269
CITIZENS STATE BANK is an FDIC-insured institution based in Marysville, KS (FDIC certificate #14269). In its Q3 2026 Call Report it reported total assets of $447M, total deposits of $381M and net loans of $348M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $447M in Q3 2026 and were lowest at $436M in Q1 2026.
Total deposits were highest at $383M in Q1 2026 and lowest at $381M in Q3 2026.
Over the whole period total assets rose 2.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $447M | $381M | $348M | 2.19% | 28.42% | 3.83% |
| Q2 2026 | $442M | $381M | $341M | 2.11% | 26.83% | 3.81% |
| Q1 2026 | $436M | $383M | $327M | 2.16% | 27.46% | 3.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.2M | $8.5M | -$1.3M | -15.7% |
| Federal funds sold | $0K | $8.8M | -$8.8M | -100.0% |
| 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) | $74.4M | $73.0M | +$1.4M | +1.9% |
| 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) | $340.8M | $327.0M | +$13.8M | +4.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.1M | $1.1M | -$26K | -2.3% |
| 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) | $1.8M | $1.8M | -$1K | -0.1% |
| All other assets | $17.1M | $15.9M | +$1.2M | +7.8% |
| Total assets | $442.4M | $436.1M | +$6.3M | +1.4% |
| Liabilities | ||||
| Total deposits | $381.2M | $382.6M | -$1.3M | -0.3% |
| Federal funds purchased | $9.4M | $0K | +$9.4M | n/a |
| Securities sold under agreements to repurchase | $12.1M | $11.6M | +$538K | +4.6% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.2M | $4.4M | -$3.2M | -72.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.9M | $3.4M | +$469K | +13.7% |
| Total liabilities | $407.8M | $402.0M | +$5.9M | +1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $336K | $336K | $0K | 0.0% |
| Surplus | $19.9M | $19.9M | $0K | 0.0% |
| Retained earnings | $24.1M | $23.7M | +$427K | +1.8% |
| Accumulated other comprehensive income | -$9.8M | -$9.8M | +$3K | +0.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $34.6M | $34.1M | +$430K | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.4M | $4.7M | -$283K | -6.0% |
| Adjusted nonperforming assets | $4.4M | $4.7M | -$283K | -6.0% |
| Tangible equity plus allowance | $37.1M | $36.7M | +$456K | +1.2% |
| Texas ratio (gross) | 11.94% | 12.86% | -0.92 pts | See points |
| Texas ratio (adjusted) | 11.94% | 12.86% | -0.92 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 12.99% | 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) | 9.76% | 9.79% | -0.03 pts | See points |
| Construction and land loans to total capital | 9.90% | 8.60% | +1.30 pts | See points |
| Commercial real estate to total capital | 56.74% | 53.08% | +3.67 pts | See points |
| Dividend payout, year to date | 76.64% | 72.34% | +4.30 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -22.53% | -22.72% | +0.19 pts | See points |
| Liquidity | ||||
| Core deposits | $304.5M | $307.5M | -$3.0M | -1.0% |
| Non-core funding | $99.4M | $91.0M | +$8.4M | +9.2% |
| Loans to core deposits | 113.35% | 107.74% | +5.60 pts | See points |
| Loans to deposits | 90.54% | 86.60% | +3.94 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 84.26% | 85.09% | -0.83 pts | See points |
| Loans pledged, share of loans | 44.73% | 40.04% | +4.69 pts | See points |
| Volatile liabilities | $105.6M | $94.4M | +$11.2M | +11.8% |
| Earnings | ||||
| Earnings before provision, year to date | $5.1M | $2.4M | +$2.7M | +112.2% |
| Earnings before provision, single quarter | $2.7M | $2.4M | +$292K | +12.2% |
| Provision for credit losses, year to date | $77K | $52K | +$25K | +48.1% |
| Yield and cost | ||||
| Yield on loans and leases | 6.29% | 6.18% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 11.21% | 9.16% | +2.05 pts | See points |
| Total interest income to average assets | 5.54% | 5.42% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.89% | 0.86% | +0.03 pts | See points |
| Cost of savings and money market deposits | 0.88% | 0.90% | -0.02 pts | See points |
| Cost of time deposits | 3.51% | 3.56% | -0.05 pts | See points |
| Total interest expense to average assets | 1.88% | 1.92% | -0.04 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 | $447M | $381M | $348M | 2.19% | 28.42% | 3.83% |
| 2026-06-30 | $442M | $381M | $341M | 2.11% | 26.83% | 3.81% |
| 2026-03-31 | $436M | $383M | $327M | 2.16% | 27.46% | 3.73% |
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 | $348M | 0.34% | 65 | Continuing · +0.01 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.