PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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