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The Citizens State Bank of Cheney, Kansas

under $100M Specialty: Commercial KS FDIC cert 9658

Designations: ✓ Community bank

Cheney, KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
  • Deposits +4.2% year over year ($87.8M on the books).
  • Delinquency rate 1.31%.
  • Return on assets 2.45%.
  • Efficiency ratio 48.72% vs a 119.40% peer average.
  • Loan-to-deposit ratio 74.24% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 48 in KS
View under $100M leaderboard (KS) →

The Citizens State Bank of Cheney, Kansas shows strong momentum with 4 strengths and 5.7% 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 1.45% above tier average
  • + Efficiency Ratio 70.68% below tier average
  • + Net Interest Margin 0.73% above tier average
  • + Delinquency Rate 0.17% 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-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $96.7M
+5.7% YoY +1.4% QoQ
+$34.2M $62.4M
-0.0% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Top 4.3% in tier
Total Loans ? $65.2M
+19.8% YoY +10.5% QoQ
+$30.3M $34.9M
-0.6% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Top 9.0% in tier
Total Deposits ? $87.8M
+4.2% YoY +0.8% QoQ
+$36.2M $51.6M
-0.2% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Top 1.1% in tier
Return on Assets ? 2.45%
+16.5% YoY -8.0% QoQ
+1.45% 1.00%
+3.5% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Top 5.4% in tier
Net Interest Margin ? 4.65%
+6.6% YoY +2.4% QoQ
+0.73% 3.91%
+2.3% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 48.72%
-8.7% YoY +11.5% QoQ
-70.68% 119.40%
+49.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
Top 7.8% in tier
Delinquency Rate ? 1.31%
+450.1% QoQ
-0.17% 1.48%
+31.8% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 74.24%
+14.9% YoY +9.6% QoQ
+0.03% 74.21%
+12.6% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 26.35%
+7.3% YoY -7.8% QoQ
+2.86% 23.49%
+0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.89%
+499.3% QoQ
+0.05% 0.84%
+23.0% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 11.10%
+1.0% YoY -0.5% QoQ
-16.03% 27.13%
+3.0% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Bottom 13.2% in tier
Non-Interest Income / Assets ? 0.22%
+4.9% YoY +97.2% QoQ
-1.16% 1.38%
+6.3% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 26.3%
+1.8pp YoY
-2.2pp QoQ
 +1.7pp 24.6% 22.3% 22.2% 61%
Brokered Deposits n/a n/a 9.8% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 14.1%
+0.4pp YoY
-0.6pp QoQ
 +0.7pp 13.4% 12.6% 12.5% 65%
CRE 24.5%
+0.8pp YoY
+1.7pp QoQ
 -0.7pp 25.2% 28.8% 41.4% 63%
1-4 Family 31.8%
-1.2pp YoY
-2.1pp QoQ
 -3.2pp 35.0% 26.7% 31.3% 51%
Consumer 10.2%
-3.3pp YoY
-1.3pp QoQ
 +2.5pp 7.7% 4.6% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 23.3% 19.7% n/a
Leverage Ratio 11.1%
+0.1pp YoY
-0.1pp QoQ
 -6.6pp 17.7% 12.6% 12.6% 29%
Total Capital Ratio n/a n/a 39.7% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 12
-2 (-14.3%) YoY
0 QoQ
 -0 12 70 482 56%
Assets per Employee ($) $8.1M
+23.3% YoY
+1.4% QoQ
 +$1.9M $6.2M $7.1M $8.8M 81%
Branch Count 1
0 YoY
0 QoQ
 -1 1 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.9%
+0.6pp QoQ
 -0.1pp 1.0% 0.4% 0.4% 67%
Nonaccrual 0.5% -1.3pp 1.7% 0.8% 1.0% 38%
Allowance Coverage 1.03x
-83.5% QoQ
 -5.38x 6.41x 22.44x 20.23x 43%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 28.2%
+0.8pp YoY
-3.1pp QoQ
 +21.8pp 6.4% 14.3% 11.6% 99%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.4% 1.6% 1.7% 44%
Net Income ($, YTD) $1.1M
+26.7% YoY
— QoQ
 +$826K $317,817 $3.7M $40.4M 97%

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).
Comparing against 536 peers in under $100M

Top Strengths (6 metrics)

7
Total Deposits
size
Value: $87.79M
Peer Median: $51.62M
#7 of 536 Top 1.1% in under $100M
24
Total Assets
size
Value: $96.67M
Peer Median: $62.44M
#24 of 536 Top 4.3% in under $100M
30
Return on Assets
profitability
Value: 2.45%
Peer Median: 1.00%
#30 of 536 Top 5.4% in under $100M
43
Efficiency Ratio
profitability
Value: 48.72%
Peer Median: 119.40%
#43 of 536 Top 7.8% in under $100M
49
Total Loans
size
Value: $65.18M
Peer Median: $34.89M
#49 of 536 Top 9.0% in under $100M
120
Net Interest Margin
profitability
Value: 4.65%
Peer Median: 3.91%
#120 of 536 Top 22.2% in under $100M

Top Weaknesses (1 metrics)

466
Tier 1 Capital Ratio
capital
Value: 11.10%
Peer Median: 27.13%
#466 of 536 Bottom 13.2% in under $100M
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