# CITIZENS STATE BANK
GRAINFIELD, KS · FDIC certificate 18077 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $11.5M | |
| Deposits | $10.4M | |
| Loans and leases | $4.1M | |
| Total equity | $1.1M | |
| Loans / deposits | 38.88% (p10 of band) | 70.22% |
| Liquid assets / assets | 63.76% (p91 of band) | |
| Uninsured deposits / deposits | 14.34% (p59 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.18% (p27 of band) | 10.41% |
| Unrealized securities loss / equity | 0.00% (p39 of band) | 0.24% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.54% (p32 of band) | 0.79% |
| Net interest margin | 2.28% (p5 of band) | 3.62% |
| Efficiency ratio | 76.15% (p55 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 50% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $108,000 (2.64% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.6% | |
| Employees | 3 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | deposits shrinking, assets shrinking |  |

## 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=18077 (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 "18077", 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