The Citizens State Bank and Trust Company on Your Credit Report
In short: The Citizens State Bank and Trust Company is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Council Grove, Kansas. The charter behind FDIC certificate 15254 dates to January 1, 1921 — a twentieth-century charter, which means its records have outlived more than one generation of account-numbering. As of the 06/30/2026 call report, The Citizens State Bank and Trust Company held $96 million in assets and operated 7 FDIC-reported offices. The Citizens State Bank and Trust Company reports as an original creditor rather than an assignee, so the §623 direct dispute and the §611 bureau dispute are both open routes. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who The Citizens State Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The Citizens State Bank and Trust Company is listed by the FDIC as certificate 15254, $96 million in total assets and 7 FDIC-reported offices, headquartered in Council Grove, Kansas.
How The Citizens State Bank and Trust Company appears on your credit report
The Citizens State Bank and Trust Company is the furnisher here, not an assignee, which matters because an assignee usually receives a data file while the originator keeps the paperwork. Chartered in Kansas and operating 7 FDIC-reported offices, The Citizens State Bank and Trust Company handles disputes against its own records. Write it down, name the precise field in dispute, and run the §611 bureau route in parallel. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Deposit-linked consumer credit originated at its 7 Kansas offices
- ◆Residential mortgage and home-equity lending in and around Council Grove
- ◆Small-business and commercial credit backed by a personal pledge
Grounds to dispute The Citizens State Bank and Trust Company entry
Each of these is a reason The Citizens State Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Council Grove teller window credited a day late and reported as delinquent
- ◆Account still showing a balance after The Citizens State Bank and Trust Company processed the payoff
- ◆Single Citizens State Bank and Trust Company account reporting twice following a data migration
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
The Citizens State Bank and Trust Company is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, The Citizens State Bank and Trust Company has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send The Citizens State Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The Citizens State Bank and Trust Company questions, answered
Is The Citizens State Bank and Trust Company FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 15254. That record lists The Citizens State Bank and Trust Company as a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Council Grove, KS, chartered January 1, 1921, with $96 million in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates The Citizens State Bank and Trust Company, and where do I escalate if a dispute fails?
As a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, The Citizens State Bank and Trust Company answers primarily to that regulator. Where a §611 and a §623 dispute both come back "verified" against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against The Citizens State Bank and Trust Company?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The Citizens State Bank and Trust Company exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can the Citizens State Bank and Trust Company charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Citizens State Bank and Trust Company account. Charging the balance off, selling it, or transferring it to a servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging, and it is itself an FCRA violation worth disputing.
What is the difference between disputing with The Citizens State Bank and Trust Company and disputing with a collector?
The Citizens State Bank and Trust Company is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. Disputing directly with The Citizens State Bank and Trust Company under §623 puts the question to the party that can actually check it against source documents.
Does The Citizens State Bank and Trust Company report to all three credit bureaus?
There is no legal requirement to furnish to every bureau, and a bank operating 7 offices often does not. Pull all three files and compare them. With The Citizens State Bank and Trust Company, a balance that differs between bureaus usually reflects different refresh dates; an account status or date of first delinquency that differs is the real signal worth disputing.
The Citizens State Bank and Trust Company changed names or was acquired — why does my report show two accounts?
One account showing twice is a classic conversion artifact. The Citizens State Bank and Trust Company has operated since 1921, and a charter of that age has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines explicitly.
Can I dispute the Citizens State Bank and Trust Company account myself without paying anyone?
Yes. Both the §611 bureau dispute and the §623 direct dispute to The Citizens State Bank and Trust Company are free and available to you directly. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is The Citizens State Bank and Trust Company headquartered, and does that affect my dispute?
The Citizens State Bank and Trust Company is headquartered in Council Grove, Kansas, with 7 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by The Citizens State Bank and Trust Company; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.