Bank · FDIC insured
Citizens State Bank
A $137.5M bank headquartered in Hugoton, KS, with 1 branch in Kansas. Best rates: CDs 3.22% and savings 0.50% APY.
Citizens State Bank Carrot Score
67
Carrot Score
Higher than 18% of U.S. banks and credit unions
#96 of 133 in KansasHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens State Bank
Citizens State Bank was founded in Hugoton, Kansas in 1913.
Dedicated to serving Hugoton and surrounding communities for over 110 years, the bank provides agricultural and business lending alongside personal banking solutions.
- Headquarters
- 601 S Main St, Hugoton, KS 67951
- FDIC certificate
- 15261 ↗
Branches
1 branch in Kansas
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Kansas
1 branch
- The Citizens State BankMain office601 S Main St, Hugoton, KS 67951Directions
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 | 13.54% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.30% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.09% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $59 | $81 | — |
- CapitalLeverage ratio13.54%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.30%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.09%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$59Peers’ 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 State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.