Citizens State Bank and Trust Company

Headquarters

610 Oregon Street
Hiawatha, KS 66434
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.66% →
1-Year CD 0.20% 0.71% →
2-Year CD 0.25% 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Citizens State Bank and Trust Company is an FDIC insured institution located in Hiawatha, KS. It was founded in 1907 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 5830
Date Established 1907
Assets $ 99.18 million
Loans $ 50.20 million
Deposits $ 69.20 million
Capital $ 15.30 million
 

For a more detailed analysis of Citizens State Bank and Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - March 2, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $50 - Learn More
Money Market
0.10% $1 $24,999 Learn More
Money Market
0.15% $25,000 - Learn More
CD Rates APY MIN MAX
6 Mo CD
0.20% $2,500 - Learn More
12 Mo CD
0.20% $1,000 - Learn More
18 Mo CD
0.20% $1,000 - Learn More
24 Mo CD
0.25% $1,000 - Learn More
30 Mo CD
0.30% $500 - Learn More
48 Mo CD
0.35% $500 - Learn More

Variable IRA Rates APY MIN MAX
Var IRA
0.20% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $750 - Learn MoreShow Less
 

Loan Rates - March 2, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Citizens State Bank and Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
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First Internet Bank
NMLS ID: 424182
2.931% 2.875% 0.75 $1,810 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.924% 2.875% 0.63 $1,562 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to Citizens State Bank and Trust Company
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Branches

Citizens State Bank and Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Citizens State Bank and Trust Company Locations


Financial Details

Citizens State Bank and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens State Bank and Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens State Bank and Trust Company U.S. Bank Average
7.18% 6.14%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2020, Citizens State Bank and Trust Company had $1,143,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $15,300,000 in equity and $630,000 in loans loss reserves. That gives it a Texas Ratio of 7.18%.

Return on Equity
Citizens State Bank and Trust Company U.S. Bank Average
6.86% 9.23%

Citizens State Bank and Trust Company has a Return on Equity of 6.86% versus the BestCashCow average of 9.23%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citizens State Bank and Trust Company U.S. Bank Average
15.43% 12.07%

Citizens State Bank and Trust Company has a Capitalization of 15.43% versus the BestCashCow average of 12.07. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens State Bank and Trust Company Balance Sheet Analysis

As of September 30, 2020, Citizens State Bank and Trust Company had assets of $99,181,000, loans of $50,200,000, and deposits of $69,202,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2020
ASSETS
Cash & Balances due from depository institutions $ 13.72 million
Interest-bearing balances $ 11.38 million
Total securities $ 33.52 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 50.20 million
Loan loss allowance $ 0.63 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.23 million
     Total Assets $ 83.88 million
LIABILITIES
Total deposits $ 69.20 million
      Interest-bearing deposits $ 52.52 million
      Deposits held in domestic offices $ 69.20 million
      % insured (estimated) 84.90%
Federal funds purchased and repurchase agreements $ 14.52 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.16 million
      Total Liabilities $ 83.88 million
      Shareholders’ Equity $ 15.30 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.40 million
Total Interest Expense $ 0.11 million
Net interest income $ 2.29 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.44 million
Total non interest expense $ 1.89 million
Pre-tax Net Operating Income $ 0.83 million

Bank Loan Profile?

The top three loan types in Citizens State Bank and Trust Company’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks, Citizens State Bank and Trust Company’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.30
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.06
Small Business Loans 2.56
Construction and Development Loans 2.29
Commercial Real Estate 2.56
Commercial and Industrial Loans 8.21
Farm Loans 19.86

Frequently Asked Questions About Citizens State Bank And Trust Company

Branches and Savings

Is Citizens State Bank And Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #5830.

Why does Citizens State Bank And Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens State Bank And Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens State Bank And Trust Company a commercial bank?

Yes

Where are Citizens State Bank And Trust Company locations?

See branch locations nearby.

Is Citizens State Bank And Trust Company open on Saturdays?

Is Citizens State Bank And Trust Company open on Sundays?

What time does Citizens State Bank And Trust Company open?

What time does Citizens State Bank And Trust Company close?

Are Citizens State Bank And Trust Company ATMs Open 24/7?

Do Citizens State Bank And Trust Company ATMs accept cash deposits?

Can Citizens State Bank And Trust Company customers use other ATMs?

Do Citizens State Bank And Trust Company branches have notaries?

Will Citizens State Bank And Trust Company notarize my document?

What address for Citizens State Bank And Trust Company should I put for incoming ACH transfers?

Will the Citizens State Bank And Trust Company branch print checks?

Do Citizens State Bank And Trust Company checks expire?

Does Citizens State Bank And Trust Company require US citizenship to open account?

Can Citizens State Bank And Trust Company close my account?

Does Citizens State Bank And Trust Company Report to credit bureaus?

Does Citizens State Bank And Trust Company Use Equifax?

What is Citizens State Bank And Trust Company's ACH Routing Number?

What is Citizens State Bank And Trust Company's SWIFT code?

Products

Does Citizens State Bank And Trust Company offer mortgages?

Compare mortgage rates here.

Does Citizens State Bank And Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens State Bank And Trust Company offer personal loans?

Compare personal loan rates here.

Does Citizens State Bank And Trust Company offer student loans?

Will Citizens State Bank And Trust Company cash a check?

Will Citizens State Bank And Trust Company redeem a savings bond?

Does Citizens State Bank And Trust Company cash savings bonds?

Will Citizens State Bank And Trust Company cash money orders?

Can Citizens State Bank And Trust Company issue a money order?

Does Citizens State Bank And Trust Company do currency exchange?

Background on The Bank

Who owns Citizens State Bank And Trust Company?

How long has Citizens State Bank And Trust Company been around?

Can Citizens State Bank And Trust Company transfer to other banks?

Does Citizens State Bank And Trust Company have quick pay?

Does Citizens State Bank And Trust Company accept rolled coins?

Will Citizens State Bank And Trust Company accept loose change?

Where is Citizens State Bank And Trust Company headquarters?

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