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Citizens State Bank of Cheney, Kansas, The

Cheney, KS · Cert 9658 · Citizens State Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Wichita, KS area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Wichita, KS area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

95

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens State Bank of Cheney, Kansas, The

Cheney, KS · Cert 9658 · Citizens State Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$96.7MAssets
$66.1MLoans
$87.8MDeposits
$8.7MEquity
Loan mix
72%RE $39.8M16%C&I $8.7M12%Consumer $6.8MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $64.7M26%Noninterest $23.1MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.37%Q2 ’255.46%Q2 ’26+3%+4%

Non-interest income vs. expense

2.52%Q2 ’242.42%Q2 ’252.29%Q2 ’26-5%-6%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.4% share · #36 of 46 inst. · $0.1B of $23.2B

Executive Summary

  • Earnings: ROA of 1.98%, up 28 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 1.30% of loans (+130 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.10%, up 10 bps from a year ago.
  • Funding: loans stand at 75.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.98%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+17 bps YoY

Efficiency Ratio (YTD, annualized)

48.72%-462 bps YoY

Tier 1 Leverage Ratio

11.10%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.85%1.89%2.14%1.98%+28 bps
Return on Equity22.23%23.40%23.56%25.11%22.82%+59 bps
Net Interest Margin4.10%4.10%4.22%4.33%4.27%+17 bps
Efficiency Ratio53.34%50.98%50.49%43.68%48.72%-462 bps
Non-Interest Burden1.98%1.87%1.91%1.59%1.85%-13 bps
Growth
Asset Growth (YoY)10.80%9.60%10.30%10.49%5.71%-509 bps
Loan Growth (YoY)5.37%10.53%8.88%9.59%19.46%+1,409 bps
Deposit Growth (YoY)10.09%9.35%9.29%9.48%4.23%-586 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.03%0.24%1.30%+130 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.03%0.01%+2 bps
Allowance / Loans1.61%1.51%1.49%1.48%1.34%-27 bps
Allowance Coverage of NPLsn/an/a49.4x6.3x1.0xn/a
Capital
Tier 1 Leverage Ratio10.99%10.78%10.76%11.15%11.10%+10 bps
Total Risk-Based Capital10.99%10.78%10.76%11.15%11.10%+10 bps
Equity / Assets7.70%8.53%8.61%8.44%9.01%+130 bps
Liquidity & Funding
Loans / Deposits65.66%72.48%74.58%68.75%75.25%+959 bps
Liquid Assets / Assets16.92%11.05%9.03%16.39%10.64%-629 bps
CRE / Total Capitaln/a133.66%136.95%130.97%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens State Bank of Cheney, Kansas, The

Cheney, KS · Cert 9658 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Citizens State Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$96.7MAssets
$66.1MLoans
$87.8MDeposits
$8.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks under $1B in assets in the Wichita, KS area (rank 1 of 20).
  • Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets in the Wichita, KS area (rank 17 of 20).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.91%

Rank 1 of 20

Net Interest Margin

4.27%

Rank 4 of 20

Efficiency Ratio

48.72%

Rank 2 of 20

Equity / Assets

9.01%

Rank 9 of 20

Non-interest income vs. expense

$0.4M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 95% of banks under $1B in assets in the Wichita, KS area
Bank 48.72%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.91%0.80%1.20%1.35%Beats 95%1 / 20
Return on Equity21.26%9.43%12.85%15.78%Beats 95%1 / 20
Net Interest Margin4.27%3.71%4.04%4.23%Beats 80%4 / 20
Efficiency Ratio48.72%59.34%65.86%71.92%Beats 95%2 / 20
Asset Quality
Nonperforming Loans / Loans1.30%0.06%0.64%1.17%Beats 20%17 / 20
Net Charge-Offs / Loans0.01%n/a0.02%0.09%Beats 55%10 / 20
Capital
Tier 1 Capital Ratio11.10%11.10%11.73%15.56%Beats 25%15 / 20
Total Risk-Based Capital Ratio11.10%11.80%12.57%16.49%Beats 15%17 / 20
Equity / Assets9.01%8.39%8.81%11.24%Beats 55%9 / 20
Liquidity & Funding
Loans / Deposits75.25%62.67%77.26%93.25%45th pctl11 / 20
Loans / Assets68.34%54.38%67.74%81.71%55th pctl9 / 20
Brokered Deposits / Depositsn/aNot reported for this institution