The Citizens State Bank of Cheney, Kansas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens State Bank of Cheney, Kansas of Cheney, KS against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.18% | 3.13% | -0.95% | 86th top |
| ROAE | 25.46% | 10.26% | +15.20% | 96th top |
| Net Interest Margin | 4.54% | 3.94% | +0.60% | 77th top |
| Efficiency Ratio | 52.90% | 76.38% | -23.48% | 82nd top |
| PPNR / Avg Assets | 2.27% | 1.40% | +0.87% | 87th top |
| Yield on Earning Assets | 5.73% | 5.35% | +0.38% | 69th above |
| Cost of Funds | 1.05% | 1.70% | -0.65% | 77th top |
| Net Interest Spread | 3.91% | 3.32% | +0.59% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.03% | 1.34% | -0.31% | 30th below |
| NPA / Total Assets | 0.71% | 0.71% | +0.00% | 25th below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.34% | 1.49% | -0.15% | 58th above |
| ACL / NPLs (Coverage) | 129.72% | 868.09% | -738.37% | 46th below |
| Texas Ratio | 13.01% | 8.25% | +4.76% | 15th bottom |
| Provision / NCO | 0.00% | 291.87% | -291.87% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.10% | 17.66% | -6.56% | 29th below |
| Equity / Assets | 9.01% | 16.47% | -7.46% | 17th bottom |
| TCE / Tangible Assets | 8.94% | 16.21% | -7.27% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.25% | 72.83% | +2.42% | 38th below |
| Core Deposit Ratio | 91.84% | 88.27% | +3.57% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.71% | 4.26% | +1.45% | 67th above |
| Loan Growth (Y/Y) | 19.46% | 6.72% | +12.74% | 90th top |
| Deposit Growth (Y/Y) | 4.23% | 3.72% | +0.51% | 63rd above |
See The Citizens State Bank of Cheney, Kansas's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens State Bank of Cheney, Kansas, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens State Bank of Cheney, Kansas profile, how to read a UBPR, or how this data updates.