The Citizens State Bank is a bank based in Hugoton, Kansas, established in 1913, with $143 million in total assets across 1 branch. By Trust Grade it ranks 86th of 186 banks we track in Kansas. Its capital ratio of 12.5% is stronger than 77% of similarly sized banks, versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 0.92% return on assets. No consumer complaints against The Citizens State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Citizens State Bank compares to Kansas peers
How we graded The Citizens State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.5% capital ratio)
- Profitable (ROA 0.92%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for The Citizens State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 601 S Main St, Hugoton, KS 67951
Are deposits at The Citizens State Bank insured?
Yes. The Citizens State Bank is an FDIC-insured bank (FDIC certificate #15261). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Citizens State Bank: frequently asked questions
Is The Citizens State Bank a good bank?
The Citizens State Bank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (12.5% capital ratio); Profitable (ROA 0.92%).
Is The Citizens State Bank FDIC-insured?
Yes. The Citizens State Bank is a FDIC-insured bank (FDIC certificate #15261). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Citizens State Bank?
The Citizens State Bank holds $143 million in total assets, ranking 86th of 186 banks we track in Kansas. It operates 1 branch.
Does The Citizens State Bank have CFPB complaints?
No CFPB complaints against The Citizens State Bank appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
