CITIZENS STATE BANK OF CHENEY, KANSAS, THE

CHENEY, KS | Micro | Est. Jan. 1, 1884, midnight | FDIC #9658 | RSSD #924254 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK OF CHENEY, KANSAS, THE is amn micro FDIC-insured commercial bank headquartered in CHENEY, KS, established in Jan. 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $88M and total deposits of $80M. Profitability stands at 2.42% ROA and 28.25% ROE, with a net interest margin of 4.87%. The bank's CET1 capital ratio is 8.46%. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.04%. FDIC Certificate #9658.

Assets

$88M

Deposits

$80M

Loans

$60M

Equity

$8M

Profitability

Return on Assets (ROA) 2.42%
Return on Equity (ROE) 28.25%
Net Interest Margin (NIM) 4.87%
Yield on Assets 6.35%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.04%
NPA Ratio 0.00%
ACL / Loans 1.49%

Capital & Liquidity

CET1 Ratio 8.46%
Tier 1 Capital 8.46%
Total Capital Ratio 8.88%
Leverage Ratio 10.76%
Loan-to-Deposit 74.58%

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