BlastPoint's Banking Scorecard

The Citizens State Bank of Cheney, Kansas

under $100M Specialty: Other KS FDIC cert 9658

Designations: ✓ Community bank

Cheney, KS

541 banks in the under $100M peer group nationally 48 in KS

The Citizens State Bank of Cheney, Kansas shows strong momentum with 4 strengths and 10.5% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.83% above tier average
+ Efficiency Ratio 44.66% below tier average
+ Net Interest Margin 0.68% above tier average
+ Delinquency Rate 1.13% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Citizens State Bank of Cheney, Kansas releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$95.3M +10.5% YoY +8.2% QoQ	+$33.2M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Top 5.4% in tier
Total Loans ?	$59.0M +9.8% YoY -0.0% QoQ	+$24.7M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 12.8% in tier
Total Deposits ?	$87.1M +9.5% YoY +8.5% QoQ	+$35.4M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Top 1.3% in tier
Return on Assets ?	2.67% +16.0% YoY +15.3% QoQ	+1.83%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 4.3% in tier
Net Interest Margin ?	4.54% +3.6% YoY -0.3% QoQ	+0.68%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	43.68% -11.7% YoY -13.5% QoQ	-44.66%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 4.6% in tier
Delinquency Rate ?	0.24% +683.4% QoQ	-1.13%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	67.73% +0.3% YoY -7.8% QoQ	+3.51%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	28.58% +10.1% YoY -3.3% QoQ	+4.87%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.15% +623.6% QoQ	-0.64%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	11.15% +0.8% YoY +3.6% QoQ	-15.54%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 14.0% in tier
Non-Interest Income / Assets ?	0.11% +3.0% YoY -75.7% QoQ	-0.55%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (7 metrics)

Total Deposits

size

Value: $87.10M

Peer Median: $51.74M

#8 of 541 Top 1.3% in under $100M

Return on Assets

profitability

Value: 2.67%

Peer Median: 0.84%

#24 of 541 Top 4.3% in under $100M

Efficiency Ratio

profitability

Value: 43.68%

Peer Median: 88.34%

#26 of 541 Top 4.6% in under $100M

Total Assets

size

Value: $95.32M

Peer Median: $62.16M

#30 of 541 Top 5.4% in under $100M

Total Loans

size

Value: $58.99M

Peer Median: $34.25M

#70 of 541 Top 12.8% in under $100M

123

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.86%

#123 of 541 Top 22.6% in under $100M

130

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.67%

#130 of 541 Top 23.8% in under $100M

Top Weaknesses (1 metrics)

466

Tier 1 Capital Ratio

capital

Value: 11.15%

Peer Median: 26.68%

#466 of 541 Bottom 14.0% in under $100M