The Citizens State Bank of Cheney, Kansas: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 18.36 percentage points higher than in Q1 2026, at 101.42%. 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, 7.63 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.1M |
| Net loans and leases | $65.2M |
| Loans held for sale | $0 |
| Loans to total assets | 68.34% |
| Loan-to-deposit ratio | 75.25% |
| Net loans to equity capital | 7.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.45% |
| Multifamily (5+ residential) | 0.89% |
| Commercial and industrial | 13.92% |
| Consumer | 10.03% |
| Credit cards | 0.00% |
| Farm | 12.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 101.42% |
| Construction concentration (Tier 1 capital + allowance) | 61.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.20% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $50.8M | $74.3M | 12.70% | 14.37% | 15.66% |
| Q4 2023 | $50.8M | $70.4M | 14.39% | 13.91% | 15.99% |
| Q1 2024 | $49.3M | $74.3M | 15.02% | 12.48% | 17.27% |
| Q2 2024 | $52.5M | $76.5M | 14.72% | 11.84% | 15.68% |
| Q3 2024 | $53.3M | $74.4M | 14.11% | 11.65% | 14.99% |
| Q4 2024 | $55.0M | $73.5M | 13.45% | 12.22% | 14.01% |
| Q1 2025 | $54.6M | $79.6M | 11.58% | 12.15% | 13.70% |
| Q2 2025 | $55.3M | $84.2M | 12.28% | 13.46% | 13.20% |
| Q3 2025 | $58.9M | $81.3M | 12.18% | 13.13% | 11.97% |
| Q4 2025 | $59.9M | $80.3M | 12.13% | 14.06% | 11.62% |
| Q1 2026 | $59.9M | $87.1M | 13.21% | 14.48% | 11.31% |
| Q2 2026 | $66.1M | $87.8M | 12.45% | 13.92% | 10.03% |
The Citizens State Bank of Cheney, Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank of Cheney, Kansas, freeSource: Call Report Schedule RC-C, 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)