The Citizens State Bank (15261)

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.csbks.com

620-544-4331

601 S. Main Street
Hugoton, KS 67951

The Citizens State Bank (15261) is headquartered in HUGOTON and is the 118^th largest bank in the state of Kansas. It is also the 3,492^nd largest bank in the nation. It was established in 1913 and as of March of 2025, it had grown to 23 employees at 1 location. The Citizens State Bank (15261)'s money market rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	15261
Year Established	1913
Employees	23
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.71%
Return on Equity - YTD	5.89%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$138.3MM$137.9MM
Loans	Q1 2025vs Q1 2024	$69.3MM$67.9MM
Deposits	Q1 2025vs Q1 2024	$120.8MM$121.4MM
Equity Capital	Q1 2025vs Q1 2024	$16.9MM$15.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$962K$884K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3K$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Citizens State Bank (15261) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%	$0	-	Christmas Club Account
0.50%	$0	-	Passbook Savings Account

The Citizens State Bank (15261) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.21%^*	$250k^*	-	Money Market Investment Account
OTHER TIERS: 0.65% → $0 - $250k

The Citizens State Bank (15261) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$0	-	NOW Account

The Citizens State Bank (15261) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.45%	$500	-	5 Year CD
2.35%	$500	-	4 Year CD
2.26%	$500	-	30 Month CD
2.20%	$500	-	24 Month CD
2.11%	$500	-	18 Month CD
2.06%	$500	-	12 Month CD
1.91%	$500	-	6 Month CD
1.86%	$500	-	3 Month CD
1.78%	$5k	-	7-31 Day CD

The Citizens State Bank (15261) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.27%	$0	-	12 Month IRA

Locations

The Citizens State Bank (15261) Locations
The Citizens State Bank	601 S Main St	Hugoton, KS 67951

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