Compared with Kansas
9 of 17
compared fees are above the median.
3 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
24th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kansas median
of 17 compared; 3 below, 5 about the same
See the feesFee schedule read Oct 23, 2026
Call-report figures are for The Citizens State Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kansas median | Published fees above the Kansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Citizens State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 23, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.2% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (24th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $60K in Q2 2026, 13% above the same quarter a year earlier ($53K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 17 compared published fees sit above the Kansas median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kansas medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 1.7% from Q3 2025 to Q2 2026, to $60K. Its share of revenue, 1.2%, is below the 2.1% median for banks with $300M to $1B in assets.
$60K
The Citizens State BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The Citizens State Bank · $451M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Citizens State Bank(this institution) | Moundridge, KS | $451M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Bank | Francesville, IN | $455M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Better Banks | Peoria, IL | $446M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Citizens State Bank | Lena, IL | $453M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Exchange Bank of Missouri | Fayette, MO | $454M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frontier Bank | Lamar, CO | $436M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hometown Bank of Pennsylvania | Bedford, PA | $454M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honor Bank | Honor, MI | $443M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| JONES BANK | Seward, NE | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local Bank | Hulbert, OK | $463M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meade County Bank | Brandenburg, KY | $458M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Morgantown Bank & Trust Company, Incorporated | Morgantown, KY | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| NobleBank & Trust | Anniston, AL | $444M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Brookfield Savings Bank | North Brookfield, MA | $449M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oostburg State Bank | Oostburg, WI | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Alliance Bank | San Gabriel, CA | $454M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Patriot Bank | Millington, TN | $451M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| RiverHills Bank | Vicksburg, MS | $445M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spring Bank | Brookfield, WI | $441M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Bank of Clovis | Clovis, NM | $438M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Bippus State Bank | Huntington, IN | $459M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Denison State Bank | Holton, KS | $454M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Hometown Savings Bank | Terre Haute, IN | $456M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The National Grand Bank of Marblehead | Marblehead, MA | $445M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The St. Henry Bank | St. Henry, OH | $436M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Welch State Bank of Welch, Okla. | Welch, OK | $450M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 11 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
The Citizens State Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for The Citizens State Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $60K | +$6K | +11.1% |
| Q1 2026 | $54K | −$4K | −6.9% |
| Q4 2025 | $58K | −$1K | −1.7% |
| Q3 2025 | $59K | +$6K | +11.3% |
| Q2 2025 | $53K | −$9K | −14.5% |
| Q1 2025 | $62K | +$6K | +10.7% |
| Q4 2024 | $56K | −$8K | −12.5% |
| Q3 2024 | $64K | +$19K | +42.2% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The Citizens State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Citizens State Bank by share.
Amounts from The Citizens State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research Per Hour | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal Fee | $1Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee NSF | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement ATM/Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Currency conversion | 1%of the transaction | Not stated | None |
| ISA/Cross Border Transactions Fee (International Debit Card Fee) | 1.95%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Outgoing Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Incoming Domestic | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Outgoing International | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer Incoming International | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Internet Banking Stop Payment (Checks Only) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Items | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Return Fee | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box - Drill Fee | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - Replacement Key Fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Levy/ Garnishment | $30Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card (Non-Reloadable) - Purchase Fee | $6Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Travel Card - Reload Fee | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax Incoming Per Page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Outgoing | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy - Per Page (Printed) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy - Per Statement (Secure emailed) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 23, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Citizens State Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state, $382.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $236.9M |
| 3 | $145.4M |
Wichita, KS
0.6% of bank deposits, #27 of 46, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Intrust Bank, National Association | 19.5% |
| Bank of America, National Association | 19.1% |
| Fidelity Bank, National Association | 9.8% |
| Emprise Bank | 8.7% |
| Equity Bank | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Wichita, KS, The Citizens State Bank holds 0.6% of bank deposits, #27 of 46, with 3 offices.
270 offices of 63 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 46 institutions shown. $23.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.6% share, 3 offices, #27 of 46
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
61 offices of 17 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.