Featured Savings Rates
Featured Accounts

The Citizens State Bank and Trust Company

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.40%1-year CD12 Month CD
0.15%SavingsRegular Savings Accounts
0.70%4-year CD42 Month CD

Overview / Commentary
785-257-3226
1 North Broadway
Woodbine, KS 67492

The Citizens State Bank and Trust Company is headquartered in Woodbine and is the 248th largest bank in the state of Kansas. It is also the 5,876th largest bank in the nation. It was established in 1921 and as of September of 2016, it had grown to 10 employees at 4 locations. The Citizens State Bank and Trust Company has a B+ health rating.

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Health
B+
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

Overall
FDIC Certificate #15254
Year Established1921
Employees10
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD7.8%
Annual Interest Income$744.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$21.5MM$16.8MM
LoansQ3 2016vs Q3 2015$17.1MM$12.1MM
DepositsQ3 2016vs Q3 2015$17.9MM$14.0MM
Equity CapitalQ3 2016vs Q3 2015$2.5MM$2.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$43.00K$25.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$0$581.00K
Real Estate OwnedQ3 2016vs Q3 2015$216.00K$0
Rates
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The Citizens State Bank and Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--IRA Traditional Savings
0.25%--IRA ROTH Savings
0.25%--Christmas Savings Account
0.15%--Regular Savings Accounts
0.15%--Health Savings Account

The Citizens State Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Citizens Interest Checking (CIC)

The Citizens State Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%--48 Month CD
0.70%--42 Month CD
0.60%--36 Month CD
0.57%--30 Month CD
0.55%--24 Month CD
0.50%--18 Month CD
0.40%--12 Month CD
0.30%--6 Month CD
0.25%--91 Day CD

The Citizens State Bank and Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--18 Month Fixed IRA CD
Locations


The Citizens State Bank and Trust Company Locations
Bremen Branch1 Brenneke StreetBremen, KS 66412
The Citizens State Bank and Trust Company1 North BroadwayWoodbine, KS 67492
Reading Branch402 First StreetReading, KS 66868
Gypsum Branch600 MapleGypsum, KS 67448