The Citizens State Bank of Cheney, Kansas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 74.90 percentage points in Q2 2026, from 204.62% to 129.72%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Citizens State Bank of Cheney, Kansas is 19th of 182 on return on assets, 2.18% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, The Citizens State Bank of Cheney, Kansas reported 2.18% on return on assets in Q2 2026, 1.20 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.10% |
| Equity capital to assets | 9.01% |
| Tangible equity to tangible assets | 8.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.01% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 129.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.18% |
| Return on equity | 25.46% |
| Net interest margin | 4.54% |
| Efficiency ratio | 52.90% |
| Yield on earning assets | 5.73% |
| Cost of funds | 1.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.25% |
| Core deposits to total deposits | 91.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.82% |
| Securities to assets | 17.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.29% | 12.29% | 13.50% | 10.44% | 2.19% |
| Q4 2023 | 12.58% | 12.58% | 13.83% | 10.73% | 1.39% |
| Q1 2024 | 12.76% | 12.76% | 14.01% | 10.74% | 1.97% |
| Q2 2024 | 12.69% | 12.69% | 13.91% | 11.05% | 1.70% |
| Q3 2024 | 12.84% | 12.84% | 14.05% | 11.09% | 2.26% |
| Q4 2024 | 12.89% | 12.89% | 14.14% | 11.13% | 1.87% |
| Q1 2025 | — | — | — | 11.05% | 2.29% |
| Q2 2025 | — | — | — | 10.99% | 1.94% |
| Q3 2025 | — | — | — | 10.78% | 2.50% |
| Q4 2025 | — | — | — | 10.76% | 2.38% |
| Q1 2026 | — | — | — | 11.15% | 2.58% |
| Q2 2026 | — | — | — | 11.10% | 2.18% |
The Citizens State Bank of Cheney, Kansas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank of Cheney, Kansas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)