The Citizens State Bank and Trust Company
Council Grove, Kansas, Morris County
$96M in total assets, the 3,761st largest of 4,309 US banks and 141st of 185 headquartered in Kansas.
- FDIC certificate
- 15254
- Established
- 1921
- Owned by
- Central Kansas Bancshares Inc
- Primary regulator
- FDIC
- Website
- extramilebank.com
At a glance
Compared with 47 banks headquartered in Kansas with under $100 million in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $96M | 94% | $58M | |
| Loans | $82M | 98% | $31M | |
| Deposits | $84M | 96% | $48M | |
| Return on assets | 1.89% | 85% | 1.02% | |
| Net interest margin | 5.17% | 89% | 3.91% | |
| Efficiency ratio | 56.6% | 23% | 64.4% | |
| Equity to assets | 8.57% | 8% | 12.51% | |
| Loans to deposits | 98% | 92% | 61% |
Growth
Total assets grew 6.1% a year over the last 5 years and 16.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2018 | Roxbury Bank Roxbury, KS, an affiliate under the same holding company | $18M |
Where they operate
7 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Mcpherson County, KS | $22M | 1.9% | 11 of 11 |
| Morris County, KS | $17M | 8.6% | 4 of 5 |
| Saline County, KS | $14M | 0.6% | 12 of 12 |
| Miami County, KS | $11M | 1.2% | 8 of 8 |
| Dickinson County, KS | $7M | 1.2% | 10 of 10 |
| Marshall County, KS | $7M | 0.9% | 8 of 8 |
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 3 branches since 2016 (4 to 7, +75.0%). 2 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2016 | Opened Woodbine | 1 | 0 | +1 | 5 |
| 2018 | Acquired Roxbury Bank | 1 | 0 | +1 | 6 |
| 2024 | Opened Louisburg | 1 | 0 | +1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 32% | 20% | |
| Agricultural | 19% | 21% | |
| Commercial real estate | 17% | 8% | |
| 1-4 family residential | 14% | 24% | |
| Business (C&I) | 11% | 14% | |
| Construction and land | 5% | 3% | |
| Consumer | 2% | 7% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 59% | 35% | |
| Other interest-bearing | 24% | 39% | |
| Noninterest-bearing | 17% | 26% |
Brokered deposits are 0.0% of deposits (peers 1.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.11% | 0.59% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 0.99% | 1.37% |
| Leverage ratio | 8.96% | 12.99% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Mcpherson County, KS
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-state-bank-trust-council-grove-ks