KS lenders / Community Bank
Citizens State Bank and Trust Co., Ellsworth, Kansas
Community Bank · Ellsworth, KS · Csb Bancshares Amended Esop
- Total assets
- $275.2M
- CRE loan book
- $14.7M
- QoQ CRE growth
- -2.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.97% as of Q1 2026 — TX bank median 4.87% (1.11pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.97% | 6.37% |
| Q4 2025 | 6.08% | 6.59% |
| Q3 2025 | 5.92% | 6.46% |
| Q2 2025 | 5.69% | 6.33% |
| Q1 2025 | 5.38% | 5.97% |
| Q4 2024 | 5.40% | 6.08% |
| Q3 2024 | 5.35% | 6.01% |
| Q2 2024 | 5.10% | 5.86% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $14.7M | $816,000 | $609,000 | 17% | $0 |
| Q4 2025 | $15.1M | $409,000 | $731,000 | 18% | $0 |
| Q3 2025 | $14.9M | $142,000 | $740,000 | 17% | $0 |
| Q2 2025 | $12.5M | $263,000 | $261,000 | 13% | $0 |
| Q1 2025 | $12.0M | $80,000 | $267,000 | 12% | $0 |
| Q4 2024 | $12.5M | $396,000 | $273,000 | 13% | $0 |
| Q3 2024 | $12.4M | $500,000 | $277,000 | 14% | $0 |
| Q2 2024 | $12.3M | $368,000 | $283,000 | 15% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Apex Banking Company of GeorgiaCommunity Bank · Cleveland · $14.7M CRE book
- Valley Premier BankCommunity Bank · Hawley · $14.8M CRE book
- The Bank of CommerceCommunity Bank · White Castle · $14.6M CRE book
- Frederick Community Bank, TheCommunity Bank · Paxton · $14.4M CRE book
- Bank of HallsCommunity Bank · Halls · $15.1M CRE book
See all alternatives to Citizens State Bank and Trust Co., Ellsworth, Kansas →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.