# CITIZENS NATIONAL BANK
GREENLEAF, KS · FDIC certificate 4678 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $229.0M | |
| Deposits | $214.7M | |
| Loans and leases | $110.3M | |
| Total equity | $13.3M | |
| Loans / deposits | 50.60% (p20 of band) | 73.59% |
| Liquid assets / assets | 49.59% (p77 of band) | |
| Uninsured deposits / deposits | 20.47% (p52 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.15% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.66% (p8 of band) | 11.76% |
| Unrealized securities loss / equity | -73.95% (p3 of band) | -6.57% |
| AOCI / equity | -2.96% (p6 of band) | |
| ROA (annualized) | 0.91% (p36 of band) | 1.17% |
| Net interest margin | 3.24% (p19 of band) | 3.93% |
| Efficiency ratio | 70.22% (p61 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 71% | |
| Construction % of loans | 5.42% (p30 of band) | |
| Auto loans | $2.8M (2.55% of loans; DQ 0.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | deposits shrinking | capital falling |
| 2013-09 | 2 | assets shrinking |  |
| 2013-12 | 3 | uninsured deposits leaving |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | deposits shrinking |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-06 | 1 |  | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 3 | capital falling | NIM <2.5% |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 1 |  | NIM <2.5% |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 |  |  |

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

- 2026-01-28 [Park National Bank names new CEO, reports record profit ahead of latest acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNQTQyYVhnZTF6ektHaG8zUnBKSXF3ckpkVkxJLWt2eUFHVmNld3dmeHA0SUstYUFwQUJ4dEc5NjRLOVFRakdSXzhHTVg5MkJPbHNuQnBBUFF5NDc3bzhPZDJ0Y3lkOW9IQ3FFRDlQbkw0dWM3QkZhUzF2djhMVTZEUmRJV0tCZi1hOThySENMNnlER0pFam11M3R1bEd0REVYVEh6X0VINURtdw?oc=5) · The Business Journals
- 2026-03-06 [Citizens National Bank opens doors in Richmond, expanding century-old legacy - Richmond Register](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNTzJQNkFVNkVBT3k0X2ZCQW5UNG05YkJVNWpuMXppWmhFV3pLZjZJSkViSGF4NjBzZks0enVodmVWcDMzSmtNYU04elNka0E5LXNSelAxZTcwczhEYThVb1lvODIwRUluMkRhRHZieWhjd1hsXzdrSHFZSGVqVTFrY1J6cklnUFBWT085a0xQSXR6M1l2Uy12dXcxc19Bc1NzN1lkVE9jdUV6a09JdUtvbjJuVTNEbVNsaTdKcmJzXzZBREx2M2ptcGZ5ZlhSbERnNUZyZTB1R2xHY1diVWRkQzJUSnc5aVFsdEFBd25sb2pvVlV1Y0E?oc=5) · Richmond Register
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2016-05-18 [Simmons First acquires small Tennessee community bank CNB for $77 million - Talk Business & Politics](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNQlVZTHdFZlVGVER1VkRwMVVidHluYkFGNV9QQWNPUkxSMlctWlpZT2hPSXdaVmpjQWhDTXR3Uzl3TElnZUF2ck15QXFLb25lQ2VEaWFtYmFXeG1tSHZWbnkxU1cyT05wczYtRTVlOGljbVhFNExDX0g3ZTBmVDZZcmd3b3FlZjVTQUxLUUJIYzRLVHFsdHpJQWFwVnlrN2lMV21iaUVXTXY2Zw?oc=5) · Talk Business &amp; Politics
- 2016-09-12 [Citizens National Bank of Athens, Tenn., lays off 55 after acquisition - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQTVZiSlJOWTF4blFRUk14TEZHaEVRNXQ3Q01yd1I3R2xJLXByV2RXa0Y0c2dPY1lBQ2M1SDlaSGY1SldnLW1xU1N6bXZoUVItZHoxTDl3eVNqRTA1Mnh4dklENGhDelB5X2Q2QlVZT0s2eURtZmltX3BkalJpQWJGazlNVnFWamZ2SzdUUVRUNmpPVW8yMlFESDBWSnFUZzFXVExZY3ZWWnpHNk9xLUJzekpqamZsenp5QXRuWENpVzF0c1k?oc=5) · Knoxville News Sentinel
- 2025-10-31 [Park National Bank expands to Tennessee with latest acquisition - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOLUxYZmNSNGp4VHZzUTRQRERJb0VRRkU5WGNQRzhsS2Zic1N4Y1g2VGlZZ2JicmpFcTNPd1FqMkFyWEtrWXdEWjRMWFF1SnY5bEM1UzFFUkptWXUwLXZHcXhrVjJZWTFXeG5pTXp6aUFhdERZN3pUcTdIMjdMaEE5OHRXaG0wWGFjdnVZWk0wUUt5cXA0aWxGaUdjTnc5cmp0ZUdDSA?oc=5) · The Business Journals
- 2024-01-30 [National Bank of Kingman, Kansas - Numismatic News](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVFp5VDk2TWZ3S3EyRzZBakllcVlqZlc3YlpDaEMtWkRSVjc1SG4tZ1NTQURpNWNqTTZjUnlwMEUtam5ma3p4OFF0a0xHRTJ6YXNUcmhOV19CM3RhTW04ZS1zT2JZRnVxbWRaU04xQTY1M2RMSWxCUmcxSGFnbGtlWU9yQQ?oc=5) · Numismatic News
- 2007-11-25 [A Conversation With ... Mark A. Harrington - Springfield Business Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTE9uRmN1Qm02ZUltWlh4TFlmVTdFbXk3VjdBSWNrNV9sNEZZQXcxeFhoTWRRcGpfaHBtVXFSeUJLdENwME14SjNLUEpOZ0JkYVNOX19OWkVCNnFIcUxTeldnTFpCTnNUakZwSDRBMmNJWjU2ME1QekE?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4678 (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/6.json (key "4678", 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.

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