# CITIZENS STATE BANK
HUGOTON, KS · FDIC certificate 15261 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $137.5M | |
| Deposits | $118.4M | |
| Loans and leases | $70.4M | |
| Total equity | $18.4M | |
| Loans / deposits | 58.78% (p29 of band) | 73.59% |
| Liquid assets / assets | 45.79% (p72 of band) | |
| Uninsured deposits / deposits | 46.85% (p95 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.54% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | -6.86% (p49 of band) | -6.57% |
| AOCI / equity | -1.26% (p22 of band) | |
| ROA (annualized) | 1.09% (p46 of band) | 1.17% |
| Net interest margin | 3.61% (p34 of band) | 3.93% |
| Efficiency ratio | 58.17% (p31 of band) | |
| Noncurrent loans | 0.30% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | 394.34% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 0.02% (p18 of band) | |
| Auto loans | $317,000 (0.45% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | deposits shrinking |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | deposits shrinking |
| 2015-03 | 2 | deposits shrinking, assets shrinking |  |
| 2015-06 | 0 |  | deposits shrinking, assets shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, assets shrinking |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | charge-offs p90 |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 1 |  | noncurrent p90, capital falling |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 2 | capital falling | charge-offs p90 |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | reserve under noncurrent |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 2 | deposits shrinking, assets shrinking |  |
| 2024-06 | 3 | uninsured deposits leaving |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 1 | charge-offs p90 |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | capital falling | charge-offs p90 |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-05-29 [Citizens State Bank enters Austin with a focus on small businesses - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNX09nZjBNNTNIR3NoU1BYOExOR2xpejdnaGdHRHhzRktERXpfMHVPaDNCbXdnUXNCYndzVF96RTZIRjAxZV8yRngybE5Bbkdrdl84WnBjb190RDJhNXFnRFdnbFEtN083TUNGTVN4LUF1VXRldDdZUlhlVkUtM2J4Uzd1ZU4yMGtsclZ2S1g5Nk55dkR3YWk2bTQ0ZV8yZUw4RFFJakY4NUQyUQ?oc=5) · The Business Journals
- 2017-05-03 [Citizens Bank notes 110 years - The Marysville Advocate](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQekMzd3NGdHhfbTlBSVB4bkFsdV9nUEZ2V3kybVZ1X1RfNkFwUnZ3NWlPRjdUM3lMMFZQaHE5N0Q0N0otem9TeVc2VjhHbzVaQUxrT1d3dVUxOV9UV2V3eXdrdmVhUkRVWV9kM210ZThSdVgwMlJObDJmU1lhbVNqdFVOODFNXzBzRlVYbzVmdDFIMnJib1R1OW02MDVEX29UTVpUM2pNWHItb21Hckt0aE9HOHhoTzVl?oc=5) · The Marysville Advocate
- 2023-08-11 [‘Huge scam’ in rural Kansas town fells fourth U.S. bank in 2023 - Kansas Reflector](https://news.google.com/rss/articles/CBMiogFBVV95cUxOak84UkE0dGZGMlVsMnVMX1A5NDg1b29zZnVWOC1adF9sR3VYRWVxY1lhaTBTTHJieW9GakhITTNHWi1BNjZsZHNwRTIyMVJWcHZWZXkzQklLcU5ET3BGV2hzaTc0ZGY4bWltbzRTbWZybzh2VzNaRWczNTBZRmFIN2hWeW1kRjAyZFZxb19YbnU1eF83cnBrS0xnYXlqVTdxM3c?oc=5) · Kansas Reflector
- 2021-12-09 [Wight, Citizens State Bank honored for decades of service to Kansas Livestock Association - Emporia Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxONWFNRTd5ZWdoT0U0UERkOGZNMF9vajBTd0xvZEljLU5RWHRQVXlmV1pfYUZaTGNZU0lxQXN5WTN3REdOQ0tvVFNIWUh0MFN0R1ZMWGNpY24wX3hRa2RiYXJoMnU3Qjd5Z0dSVFdXaU1TdTlwdHk1dU5rUzNTTHIxQ0RBVjV1Z0RmWlMwZTF2WkExbUV5?oc=5) · Emporia Gazette
- 2024-06-12 [Citizens State Bank opens Montrose branch - Montrose Daily Press](https://news.google.com/rss/articles/CBMixAFBVV95cUxOaVByTEdNMWJ4WTZJZEVSdUFQdnpucDhoRGJHSjN0aDNpWTY1dXdCTGk4R2pkVlo2dm90ektDNHdmVVlDZG9XbmxLeVRTdkh5aEhuMlpqY0hLUnVoREZSQzlzLVRxZjRJaG5ObFREUzhPMEdCNTJ3RmN5OFNDV1ljSjc5ek04aTNJVHlaODFjT3VwODNiYnJNMi1iZWJETUMtMVdYdUxwVlk0UGc4MWEwR0xHT2FDcGpWYmo2bXljdHUyRWxJ?oc=5) · Montrose Daily Press
- 2023-08-09 [Riordan family, Solomon State Bank receives Century of Family Banking Award - abilene-rc.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPVGJKRWFVNXBzRWhSSHdPNzZUeFQ5U0RWUU5GWU5qSmJ1YU14S1oxN2psQldBZjllWjctODJJTDNNbzNfdTI4V0VVT0VVLVNiVGIzYm1qNFFWWkpwcE15MEZLTzdxVkM3aWNxMHJIVFc3T1JuV3AxYVY4anZtbHRYSjJhQ19DWDNKVWQzclZKRzJTd2NVSFJUYmtCR1NNWjZ2dFE3b2JpQUZKVnIzOFFaNGVtd1RGcnlSbHNmZVhsdHRyZ09vTHgzZTdKRmxSdi0xbDUwV2lDS3ZERGhzZ3VZM01uNFBjdDBGM2IyaQ?oc=5) · abilene-rc.com
- 2025-01-13 [Mark Landes named 10th president of Hesston College - Anabaptist World](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZmdvNGJudUVSMWhHb2NobmNLd3owb1BkX0ozQmlzRjVMTVo0enFadFdMQXI1NTE1ZUkzeWFFd3hjMnhmT0NvTXAtU0llaWJHTl85dlgzNFE5aF9fQndFeVdyY19WY2gwRGRkUUt1b1dmZEpHRGFNOGEySkFRY3dMcl9UZEhWUEE?oc=5) · Anabaptist World

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15261 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "15261", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide