The Citizens State Bank and Trust Company

Overview / Commentary
314 Main Street
Council Grove, KS 66846

The Citizens State Bank and Trust Company is headquartered in Council Grove and is the 185th largest bank in the state of Kansas. It is also the 4,854th largest bank in the nation. It was established in 1921 and as of September of 2019, it had grown to 19 employees at 6 locations. The Citizens State Bank and Trust Company has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Citizens State Bank and Trust Company has a low asset base.

Health Grade Components

FDIC Certificate #15254
Year Established1921
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.53%
Return on Equity - YTD16.34%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$47.8MM$48.9MM
LoansQ3 2019vs Q3 2018$41.5MM$40.3MM
DepositsQ3 2019vs Q3 2018$41.1MM$38.7MM
Equity CapitalQ3 2019vs Q3 2018$4.5MM$4.6MM
Loan Loss AllowanceQ3 2019vs Q3 2018$427.00K$309.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$259.00K$0
Real Estate OwnedQ3 2019vs Q3 2018$35.00K$35.00K

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The Citizens State Bank and Trust Company Locations
Bremen Branch1 Brenneke StreetBremen, KS 66412
The Citizens State Bank and Trust Company314 Main StreetCouncil Grove, KS 66846
Reading Branch402 First StreetReading, KS 66868
Gypsum Branch600 MapleGypsum, KS 67448
Council Grove Branch1 North BroadwayWoodbine, KS 67492
Roxbury Branch102 N Main StRoxbury, KS 67476

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