The Citizens State Bank of Cheney, Kansas: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 7.32 percentage points higher than in Q1 2026, at 81.94%. The Citizens State Bank of Cheney, Kansas ranks 94th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 75.25% (Q2 2026). The Citizens State Bank of Cheney, Kansas reported 75.25% on loan-to-deposit ratio for Q2 2026, 7.33 points above the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.25% |
| Net loans and leases to deposits | 74.24% |
| Loans and leases to core deposits | 81.94% |
| Core deposits to total deposits | 91.84% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 68.43% | 91.89% | $0 | $0 |
| Q4 2023 | 72.18% | 91.71% | $0 | $0 |
| Q1 2024 | 66.39% | 92.11% | $0 | $0 |
| Q2 2024 | 68.60% | 91.89% | $0 | $0 |
| Q3 2024 | 71.71% | 91.20% | $0 | $0 |
| Q4 2024 | 74.86% | 91.02% | $0 | $0 |
| Q1 2025 | 68.68% | 91.64% | $0 | $0 |
| Q2 2025 | 65.66% | 92.04% | $0 | $0 |
| Q3 2025 | 72.48% | 91.70% | $0 | $0 |
| Q4 2025 | 74.58% | 91.53% | $0 | $0 |
| Q1 2026 | 68.75% | 92.13% | $0 | $0 |
| Q2 2026 | 75.25% | 91.84% | $0 | $0 |
The Citizens State Bank of Cheney, Kansas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank of Cheney, Kansas, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens State Bank of Cheney, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9658) · FFIEC NIC profile (RSSD 924254)