# CITIZENS BANK OF KANSAS
KINGMAN, KS · FDIC certificate 4707 · asset band $300M-1B · 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 | $548.4M | |
| Deposits | $498.6M | |
| Loans and leases | $239.1M | |
| Total equity | $33.8M | |
| Loans / deposits | 47.44% (p5 of band) | 82.04% |
| Liquid assets / assets | 50.16% (p92 of band) | |
| Uninsured deposits / deposits | 16.96% (p18 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.74% (p46 of band) | |
| FHLB advances / assets | 2.74% | |
| Tier 1 leverage | 8.53% (p6 of band) | 10.81% |
| Unrealized securities loss / equity | -83.11% (p1 of band) | -8.10% |
| AOCI / equity | -2.64% (p5 of band) | |
| ROA (annualized) | 1.01% (p33 of band) | 1.28% |
| Net interest margin | 3.34% (p21 of band) | 3.91% |
| Efficiency ratio | 71.48% (p76 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 5084.00% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 27.83% (p34 of band) | |
| Auto loans | $2.1M (0.87% of loans; DQ 1.29%, NCO 0.00%) | |
| Loans to nondepository financials | $3.2M (10% of equity) (p97 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 96 | |

## 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 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | deposits shrinking |  |
| 2016-12 | 2 | assets shrinking |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 5 | construction >100% equity, loans-to-lenders >50% equity, assets shrinking | capital falling |
| 2022-12 | 2 |  | construction >100% equity, loans-to-lenders >50% equity, assets shrinking |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 5 | AOCI drag >20% of equity, construction >100% equity, loans-to-lenders >50% equity, deposits shrinking |  |
| 2023-12 | 2 | uninsured deposits leaving | AOCI drag >20% of equity, construction >100% equity, loans-to-lenders >50% equity, deposits shrinking |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | AOCI drag >20% of equity |  |
| 2025-03 | 1 |  | AOCI drag >20% of equity |
| 2025-06 | 2 | uninsured deposits leaving |  |
| 2025-09 | 1 |  | uninsured deposits leaving |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 |  |  |

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

- 2026-03-10 [Jared Graber, Citizens Bank of Kansas - The Business Journals](https://news.google.com/rss/articles/CBMitwFBVV95cUxQbGFIamM1a2kwSzhWNlZpQnVEcklDQ1pNZi1tVEdwWjhDa0kwd3lETEVmbzlvOUl6SG5zdkRmLWNfbXhxR2VYV2o2R1liWTgzNjJJTWVvVER3RDJsMmNhajFQeXRtZk00VV9ES0pmXzg2bkYtcVFLWjltRjkwSXRGNXpMbzFGeFo1YVN2YmRtcGVMbE1ncVVDcmp6OWFXM0g5RWR3aGEwY3ExQ0gxT2RuV1R2dnN6UEk?oc=5) · The Business Journals
- 2024-06-27 [Longtime Crown Heights building changes hands and is about to get a major facelift - Wichita Eagle](https://news.google.com/rss/articles/CBMilgFBVV95cUxQRnk2alY0RUVKbGtyR1RMZ0VuRVEyazRXbDhaQ2RWd2RyQTRSclR0YkQzSjJyQ0FQd0xoYk9YNlZqc3ZDdFF3MGN2SFNKaTJpcnAxbWdFTlMzZWNrYmpZLVgxa3F1T3ZfZjhVU1p5bWtJMm52c054N1V1VlVka2JNa2Y3Rjh1NlZVblE1OG1qMGx4VGFvbnfSAZYBQVVfeXFMTlBieDR6UmNBSnlaNncxWDRlRlp5Mml1OGszZkk1cnV1ckREd0c1WGRqcnR0dHhkLS1INW1Kb1k1Zmk1TXU5aXRkYnZsZ2RLeEhMbURtQ0xBeEZ2NGptdU9nMkdxRHM1Nk9oQ0djWHZ6RXhLSUREbzAxcGozZk5hNzBzNUFYaU1xbVhHT2RoZzl1a01TUFJn?oc=5) · Wichita Eagle
- 2019-04-10 [Community bank presidents named - DerbyInformer.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNWnR5U3pYeHlSRnRzN3B0Qkw0azR2cWV4VUhvcXFldGRCODRQdE5DbUM4dWlhTjhZdXZIUnR4Y0UybTRyRm1rSW90aXJOSjZWZGJwaG1vdXQ0RlZZOXpvS0VwNXA3Vmk4V1pXdjdERlMxRGt0MTd4VHluN1dTb21CdVp3Vmdic2JfbzNXTzZPZm9GdjhSWTk4MHBxaEp5TDRlYkdFQURDR2o5RjcxanVwM05nWjhsNnNEcGhCdm9aODJSVnc?oc=5) · DerbyInformer.com
- 2025-06-09 [Citizens Bank of Kansas appoints Chris Macias as first Wichita market president - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNN1pJbXpOdHB6VjM3RHZJdTBOYmU2QVU3ZDJFZy1pOU1wMnZWdzlYVUR0dVhLOVRIN0tnM1JZU2tJdjBQYUFrUTBKVHBpVGRwUDFoS2Y3RmdwN1NiRWVON3ctQ0hJb01Dd2YxZG5JR1FwajZET3dMTEhTSVg5SE5oM1dFZ05GZURKd0d2T3k4d3BJaktuU1o0dTNnX3YyT1hIOFMwWG1KQ3hOZ2c?oc=5) · The Business Journals
- 2026-04-30 [Celine Brazle Obituary Dec 3, 2014 - Miles Funeral Service](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBOUmxBa0NoTmlqS0hhdmZpMHlNVzlIb19feG9ld3UzcmFyX08wZkhSbUpHbEZhZVJzXzZzaFBHMmZZeG45bzZfVmRvOFhBdTVrQ2JYdkpmLUUzcmJX?oc=5) · Miles Funeral Service
- 2024-03-19 [Mollie McClendon Obituary - Wichita, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNMFJNTFc0bU1pWFdBRG1IVHpmd2thSzhmaEVGZjkxMFR1aVJNTkZaeFVvSGdRNUVjY3VXQ0FLX0FaTFVIMFZKVjYyaXRCbXRYZEtYTEZxOU01T0d0WjBsOTNpdXBZTEtlUWNpSjlLLUdFSXpOWE9DVmhua0s2Q1luZDFncG82UQ?oc=5) · Dignity Memorial
- 2024-01-19 [Third generation of Stuhlsatz serving Derby community - DerbyInformer.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOZTJlTnlTeExKLVNqTzNKOG9tTTRlM21URjhUVndXV1VRdDNBTVhzeFVuNTg5eVE0OXJ3N0tyd3lfZWExN3RVTTl1aEJfWXpONWdNbFJtNTdBODdtdEZvWW9ydnFNa3l1UVpPd0E0NldYeVpwNEg1UHJkUXlweWZ1OThKU09mMnRKXzl0Skk3ZHRLcV9MbnYzOTU2QXkxTUJMTENIcmZIYUdNbHBRRFgzSFAxYWlsV2VoUllRakdTZWQ0LVpOeDZVcXI4RnBzc1dRUjJMbUFRZFU1eHl5WXZKbA?oc=5) · DerbyInformer.com
- 2024-02-14 [Junior McClendon Obituary - Wichita, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPeEY5OW5ybmRUU2ZQb2t3WHpMUlktaGpCSzEwMXIwazNqNTMwX0xtM05ScngtZlRmeWh0UE9BTTN6QjFaUWl2aVhxWXQ0RUhVWG40RWhhMDJOZFNmTk43NGZnMDhhVEJVQi02UnRGa2g3NXVDdVRadW82XzZJcE02OHBOZVdoQQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4707 (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/35.json (key "4707", 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