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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

$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

5.30%Q2 ’245.53%Q2 ’255.62%Q2 ’26+1%+5%

Non-interest income vs. expense

2.82%Q2 ’242.66%Q2 ’252.60%Q2 ’26-8%-2%

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

Executive Summary

  • Earnings: ROA of 1.82%, up 25 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 1.30% of loans (+130 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.82%+25 bps YoY

Net Interest Margin (quarter, annualized)

4.44%+23 bps YoY

Efficiency Ratio (quarter, annualized)

53.40%-359 bps YoY

Tier 1 Leverage Ratio

11.10%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%2.08%1.99%2.14%1.82%+25 bps
Return on Equity20.42%25.59%23.25%25.11%20.81%+38 bps
Net Interest Margin4.22%4.43%4.40%4.33%4.44%+23 bps
Efficiency Ratio56.99%46.79%49.09%43.68%53.40%-359 bps
Non-Interest Burden2.21%1.82%1.92%1.59%2.17%-4 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 / Loans0.04%0.00%0.01%0.03%0.00%-4 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