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BDI
CS

The Citizens State Bank and Trust Company

Council Grove, KansasFDIC Cert #15254

STATEEstablished 19217 branches

Holding company: CENTRAL KANSAS BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$5.97M
Investor CRE$4.9M
Multifamily$0
Construction$2.97M
1–4 family$12.3M
C&I$7.6M
Agriculture$40.7M
Other$1.46M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$75.8M
+11.3%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSGR
Net loans
$75.1M
+11.3%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET
Loans YoY
+11.26%
−29.9%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET
L/D
96.7%
−2.6%y/y
Percentile by value94th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET + DEP
Loans/assets
85.0%
−0.3%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET + ASSET
RE loans %
68.67%
+4.1%y/y
Percentile by value50th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
98%
+32.0%y/y
Percentile by value77th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
37%
+239.0%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,031points
−8.5%y/y
Peer standing71st percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
7.86%
+72.0%y/y
Percentile by value63rd percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNRENROW + LNLSGR
Investor CRE %
6.46%
−6.4%y/y
Percentile by value61st percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNRENROT + LNLSGR
C&I %
10.02%
−17.5%y/y
Percentile by value54th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNCI + LNLSGR