Total Assets
$336.2M
Total Deposits
$294.5M
Branches
10
Established
1911
The Citizens State Bank is a bank headquartered in Gridley, Kansas, established in 1911. It holds $336.2M in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Citizens State Bank earns a TFS Financial Health Grade of A (91.2/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
91.2 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Citizens State BankHQ | 410 Main St | Gridley | KS | 11 |
| The Citizens State Bank | 428 Neosho St | Burlington | KS | 11 |
| The Citizens State Bank | 235 Broadway St | Cottonwood Falls | KS | 11 |
| The Citizens State Bank | 1448 Industrial Rd | Emporia | KS | 11 |
| The Citizens State Bank | 32 E Main St | Hamilton | KS | 11 |
| The Citizens State Bank | 601 N Main St | Le Roy | KS | 11 |
| The Citizens State Bank | 1400 Topeka Ave | Lyndon | KS | 11 |
| The Citizens State Bank | 3rd Street And Madison Avenue | Madison | KS | 11 |
| The Citizens State Bank | 407 Arrowhead Dr | New Strawn | KS | 11 |
| The Citizens State Bank | 202 Westphalia St | Olpe | KS | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
91.2
Tier 1 capital ratio
12.08%
Return on assets
1.81%
Non-performing loans
0.58%
Efficiency ratio
45.43%
Asset growth (YoY)
6.06%
Suggested direct comparisons
Kansas City, KS
$3.9B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.