Bank · FDIC insured
The Citizens State Bank
A $450.6M bank headquartered in Moundridge, KS, with 9 branches in Kansas. Best rates: CDs 2.70% and savings 0.55% APY.
The Citizens State Bank Carrot Score
66
Carrot Score
Higher than 15% of U.S. banks and credit unions
#5 of 6 in McPherson, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Citizens State Bank
The Citizens State Bank is a family-owned institution organized in Moundridge and chartered by the state of Kansas in 1904.
Serving McPherson, Harvey, and Marion counties, the bank offers agricultural, commercial, home, and personal lending.
Over the years, it acquired Wheatland Bank of Goessel, Farmers State Bank and Trust Company, The Hesston State Bank, and Home State Bank.
- Headquarters
- 201 S Christian Ave, Moundridge, KS 67107
- FDIC certificate
- 17672 ↗
Branches
9 branches in Kansas
Loading map…
Kansas
9 branches
McPherson area · 5
- The Citizens State BankMain office201 S Christian Ave, Moundridge, KS 67107Directions
- Canton Branch110 N Main St, Canton, KS 67428Directions
- Mcpherson East Branch104 S. Centennial Drive, McPherson, KS 67460Directions
- Mcpherson Main Branch223 N Main St, McPherson, KS 67460Directions
- Mcpherson North Branch1300 N Main St, McPherson, KS 67460Directions
Wichita area · 3
- Hesston Branch201 N Main St, Hesston, KS 67062Directions
- Newton North Branch1225 N Main St, Newton, KS 67114Directions
- Newton South Branch2315 S Kansas Rd, Newton, KS 67114Directions
Goessel area · 1
- Goessel Branch600 E Main St, Goessel, KS 67053Directions
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 | 14.45% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.01% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.69% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $59 | $81 | — |
- CapitalLeverage ratio14.45%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.01%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.69%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 The 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.