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Citizens State B&T Co.

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Citizens State B&T Co. Rates & Review September 2026

Q: How many branches does Citizens State B&T Co. operate?

Citizens State B&T Co. currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Citizens State B&T Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens State B&T Co. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Citizens State B&T Co. rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Citizens State B&T Co., and you can see how they compare in the Citizens State B&T Co. rate tables below. MonitorBankRates evaluates the financial stability of Citizens State B&T Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.07%. Database rates last updated and verified on 09/23/2026.

Citizens State B&T Co. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens State B&T Co.? Share your experience about Citizens State B&T Co. by leaving a review below, or read customer reviews before you decide to use Citizens State B&T Co..

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.07%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Citizens State B&T Co.

314 Main St
Council Grove, KS 66846

https://secure.extramilebank.com/

Current Rate Availability

We're not currently displaying rates for Citizens State B&T Co., but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Citizens State B&T Co.’s Texas Ratio stayed near 1.11% in Q3 2023 to 1.07% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$96M	1.07%	5.0	A+
March 31, 2026	$88M	0.00%	5.0	A+
December 31, 2025	$85M	0.00%	5.0	A+
September 30, 2025	$85M	0.00%	5.0	A+
June 30, 2025	$84M	0.00%	5.0	A+
March 31, 2025	$79M	0.00%	5.0	A+
December 31, 2024	$76M	0.00%	5.0	A+
September 30, 2024	$77M	0.00%	5.0	A+
June 30, 2024	$74M	0.00%	5.0	A+
March 31, 2024	$70M	0.00%	5.0	A+
December 31, 2023	$70M	0.00%	5.0	A+
September 30, 2023	$68M	1.11%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens State B&T Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens State B&T Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens State B&T Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens State B&T Co.

Bank Holding Company CENTRAL KANSAS BANCSHARES INC

Address 314 Main St, Council Grove, KS 66846 · Morris

Website https://secure.extramilebank.com/

FDIC Certificate # 15254

Established 19210101

FDIC Insurance Date 19350815

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.07%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9543%

Return on Equity (ROE) 23.3300%

Non-Performing Loans (NPL) 0.09%

Total Assets $96,101,000

Total Deposits $84,341,000

Equity Capital $8,233,000

Net Income $878,000

Headquarters Council Grove

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Citizens State B&T Co. earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/the-citizens-state-bank-and-trust-company-rates-review-15254">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Citizens State B&T Co.

How many branches does Citizens State B&T Co. operate?

Citizens State B&T Co. currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens State B&T Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens State B&T Co. provides members with tools to manage their accounts and build a solid financial history.

Does Citizens State B&T Co. offer online and mobile banking?

Most modern institutions like Citizens State B&T Co. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://secure.extramilebank.com/.