The Citizens State Bank of Cheney, Kansas
Also written as CSB of Cheney Kansas
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Data as of · sourced from FFIEC call reports. How we update
The Citizens State Bank of Cheney, Kansas is an FDIC-insured commercial bank headquartered in Cheney, KS, established in 1884 (FDIC certificate 9658), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $96.7M, up 5.7% from Q2 2025, the 138th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.10% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9658
- Headquarters
- Cheney, KS
- Established
- 1884
- Total assets, Q2 2026
- $96.7M
- Assets vs Q2 2025
- +5.7%
- Tier 1 leverage ratio, Q2 2026
- 11.10%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101104494
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens State Bank of Cheney, Kansas call report
- Holding company
- CITIZENS STATE BANCSHARES, INC.
- Asset rank in state
- 138th of 182 in Kansas
Problem loans are rising at The Citizens State Bank of Cheney, Kansas. Based in Cheney, Kansas, it had $97 million in assets at June 30, 2026, up 5.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.30% of loans from 0.00% a year earlier. It earns about $2.18 a year on every $100 of assets, about double the median of $1.04 for the 533 banks with less than $100 million in assets. It also grew its loan book 19.5% over the year, 7.5 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 19.5% and deposits rose 4.2%. Delinquency has appeared in its $9.2 million commercial and industrial book: 7.10% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 1.0 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, The Citizens State Bank of Cheney, Kansas reported a return on assets of 2.18%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 9.00%. The figures come from its call report filed with the FFIEC.
The Citizens State Bank of Cheney, Kansas ranks as the 138th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $96.7M, loans rose 10.3% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.3% of total loans, followed by commercial and industrial loans at 13.9%. The FDIC Summary of Deposits lists a single office for it, in Cheney, KS. Judged on its Q2 2026 call report, The Citizens State Bank of Cheney, Kansas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 306 N Main St, Cheney, KS 67025
- County
- Sedgwick
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1884
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $87.8M
- Allowance for credit losses
- $886K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $97.7M
- Average total loans
- $62.5M
- Average interest-bearing deposits
- $86.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9658
- Fed RSSD
- 924254
- Website
- www.csbcheneyks.com →
- Parent Holding Company
- CITIZENS STATE BANCSHARES, INC. (RSSD 2146395)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Citizens State Bank of Cheney, Kansas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Citizens State Bank of Cheney, Kansas's total assets ranged from $76.2M (Q4 2023) to $96.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$96.7M total assets against $91.4M; $88.0M total liabilities against $84.4M.
$65.2M net loans and leases against $54.4M; $87.8M total deposits against $84.2M.
$17.2M securities against $17.9M; $11.7M cash and balances due against $16.7M.
$1.4M total interest income against $1.2M; $288K total interest expense against $290K.
$1.1M net interest income against $924K.
$107K total noninterest income against $99K; $636K total noninterest expense against $583K.
$0 provision for credit losses against $0.
$533K net income against $426K.
2.18% return on assets against 1.94%; 4.54% net interest margin against 4.16%.
11.10% tier 1 leverage ratio against 10.99%.
Inside the full The Citizens State Bank of Cheney, Kansas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens State Bank of Cheney, Kansas rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.87% (Q4 2024) to 2.58% (Q1 2026) and its net interest margin ran from 4.15% (Q1 2025) to 4.54% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.10% | 2.18% | 1.30% | 9.00% | 4.54% |
| Q1 2026 | 11.15% | 2.58% | 0.24% | 1.59% | 4.33% |
| Q4 2025 | 10.76% | 2.38% | 0.03% | 0.21% | 4.39% |
| Q3 2025 | 10.78% | 2.50% | 0.00% | 0.00% | 4.38% |
| Q2 2025 | 10.99% | 1.94% | 0.00% | 0.00% | 4.16% |
| Q1 2025 | 11.05% | 2.29% | 0.00% | 0.00% | 4.15% |
| Q4 2024 | 11.13% | 1.87% | 0.00% | 0.00% | 4.22% |
| Q3 2024 | 11.09% | 2.26% | 0.00% | 0.00% | 4.23% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens State Bank of Cheney, Kansas | Cheney , KS | 67025 | $87.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 162 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $469K approved, $469K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens State Bank of Cheney, Kansas
What are The Citizens State Bank of Cheney, Kansas's total assets?
As of the Q2 2026 filing, The Citizens State Bank of Cheney, Kansas reported total assets of $96.7 million in its FFIEC call report.
Where is The Citizens State Bank of Cheney, Kansas headquartered?
It is headquartered in Cheney, KS, United States.
When was The Citizens State Bank of Cheney, Kansas founded?
It was established in 1884, per the FDIC institution directory.
Is The Citizens State Bank of Cheney, Kansas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens State Bank of Cheney, Kansas?
The Citizens State Bank of Cheney, Kansas's primary federal regulator is the FDIC.
How many branches does The Citizens State Bank of Cheney, Kansas operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens State Bank of Cheney, Kansas's Texas Ratio?
Its Texas Ratio is 9.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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