Bank · FDIC insured
Citizens Bank of Kansas
A $548.4M bank headquartered in Kingman, KS, with 11 branches in Kansas. Best rates: CDs 3.80% and savings 0.10% APY.
Citizens Bank of Kansas Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#32 of 39 in Wichita, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank of Kansas
Since 1905, Citizens Bank of Kansas and its predecessors have served south central Kansas.
Originally chartered in 1905, the bank adopted its current name in 1994 and converted back to a Kansas state charter in 2013.
The bank has been family-owned and managed across multiple generations since the 1920s.
- Headquarters
- 300 N Main St, Kingman, KS 67068
- FDIC certificate
- 4707 ↗
Branches
11 branches in Kansas
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Kansas
11 branches
Wichita area · 7
- Augusta Branch2330 Ohio St, Augusta, KS 67010Directions
- Buckner Branch1033 N Buckner St, Derby, KS 67037Directions
- Derby High School Branch920 N Rock Rd, Derby, KS 67037Directions
- Rock Road Office601 N Rock Rd, Derby, KS 67037Directions
- West Central Branch225 Village Rd, El Dorado, KS 67042Directions
- Wichita Branch8718 W 13th St N, Wichita, KS 67212Directions
- Wichita Branch4820 E Douglas Ave, Wichita, KS 67208Directions
Kingman area · 1
- Citizens Bank of KansasMain office300 N Main St, Kingman, KS 67068Directions
Medicine Lodge area · 1
- Medicine Lodge Branch120 E Kansas Ave, Medicine Lodge, KS 67104Directions
Hutchinson area · 1
- 104 West Main Branch104 W Main St, Pretty Prairie, KS 67570Directions
Arkansas City area · 1
- 1511 Main Branch1511 Main St, Winfield, KS 67156Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.53% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.02% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.01% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $48 | $81 | — |
- CapitalLeverage ratio8.53%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.02%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.01%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$48Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank of Kansas are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.