Bank · FDIC insured
Citizens Federal Savings Bank
A $190.1M bank headquartered in Leavenworth, KS, with 3 branches in Kansas. Best rates: CDs 4.63% and savings 0.75% APY.
Citizens Federal Savings Bank Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#57 of 79 in Kansas City, MO-KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Federal Savings Bank
Founded in 1884 as Citizens Mutual Building & Loan Association in Leavenworth, Kansas, the institution later operated as Citizens Mutual Savings and Loan and Citizens Savings and Loan Association, FSB.
Citizens relocated its downtown Leavenworth office in 1922, opened a location in Basehor in 1975, built a new main office in 1979, and adopted the name Citizens Federal Savings Bank in 2020.
- Headquarters
- 5151 S 4th St, Leavenworth, KS 66048
- FDIC certificate
- 30150 ↗
Branches
3 branches in Kansas
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Kansas
3 branches
- Citizens Federal Savings BankMain office5151 S 4th St, Leavenworth, KS 66048Directions
- State Avenue Branch15500 State Ave, Basehor, KS 66007Directions
- 312 South Fifth Street Branch312 S 5th St, Leavenworth, KS 66048Directions
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 | 20.08% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.15% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.20% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio20.08%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.15%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.20%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ 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 Federal Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.