Citizens Bank
Butler, Missouri, Bates County
$188M in total assets, the 3,105th largest of 4,309 US banks and 131st of 195 headquartered in Missouri.
- FDIC certificate
- 22601
- Established
- 1926
- Owned by
- Amsterdam Bancshares Inc
- Primary regulator
- FDIC
- Website
- WWW.CITIZENSBANK.WS
At a glance
Compared with 140 banks headquartered in Missouri with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $188M | 33% | $269M | |
| Loans | $170M | 44% | $202M | |
| Deposits | $171M | 34% | $233M | |
| Return on assets | 2.58% | 94% | 1.41% | |
| Net interest margin | 6.53% | 98% | 4.12% | |
| Efficiency ratio | 59.8% | 54% | 59.3% | |
| Equity to assets | 7.86% | 14% | 10.15% | |
| Loans to deposits | 100% | 91% | 85% |
Growth
Total assets grew -0.2% a year over the last 5 years and 12.0% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2019 | Bank of Minden Mindenmines, MO, an affiliate under the same holding company | $32M |
| Jul 2017 | Security Bank Rich Hill, MO | $50M |
Where they operate
10 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Bates County, MO | $100M | 25.0% | 3 of 3 |
| Cass County, MO | $33M | 1.6% | 17 of 19 |
| Barton County, MO | $30M | 9.3% | 3 of 4 |
| Bourbon County, KS | $7M | 2.2% | 6 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (5 to 10, +100.0%). 1 opened, 6 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2017 | Acquired Security Bank | 4 | 0 | +4 | 9 |
| 2018 | Opened AmsterdamClosed Butler | 1 | 1 | 0 | 9 |
| 2019 | Acquired Bank of Minden | 2 | 0 | +2 | 11 |
| 2022 | Closed Amsterdam | 0 | 1 | −1 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 37% | 33% | |
| Farmland | 25% | 15% | |
| Commercial real estate | 21% | 20% | |
| Construction and land | 4% | 7% | |
| Business (C&I) | 4% | 10% | |
| Agricultural | 4% | 6% | |
| Multifamily | 3% | 3% | |
| Consumer | 2% | 4% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 46% | |
| Noninterest-bearing | 36% | 21% | |
| Time deposits | 20% | 33% |
Brokered deposits are 0.0% of deposits (peers 2.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.20% | 0.43% |
| Net charge-offs, annualized | 0.01% | 0.01% |
| Reserves to loans | 1.08% | 1.21% |
| Leverage ratio | 7.73% | 10.54% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Bates County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/citizens-bank-butler-mo