B
The Citizens State Bank of Cheney, Kansas
Cheney,  KS
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
10.76
Return On
Assets
2.28%
Total
Assets
88.06M
Capital
7.58M
Total
Deposits
80.30M
Net
Income
2.01M
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Weiss Ratings The Citizens State Bank of Cheney, Kansas
Cheney, KS 		Click to
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Rating B
Asset Quality Index 7.20
Capitalization Index 9.60
Liquidity Index 2.50
Profitability Index 9.30
Stability Index 5.70
Company Info The Citizens State Bank of Cheney, Kansas
Cheney, KS 		Click to
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FDIC Number 9658
Phone Number (316) 542-3142
Website www.csbcheneyks.com
Asset Quality The Citizens State Bank of Cheney, Kansas
Cheney, KS 		Click to
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1-Year Asset Growth 10.30%
5-Year Asset Growth 4.39%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.61%
Non-Performing Loans to Capital 2.71%
Non-Performing Loans to Loans 0.90%
Balance Sheet The Citizens State Bank of Cheney, Kansas
Cheney, KS 		Click to
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Total Assets 88.06M
Total Deposits 80.30M
Capital and Reserves The Citizens State Bank of Cheney, Kansas
Cheney, KS 		Click to
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Capital 7.58M
Leverage Ratio 10.76
Loan Loss Reserves to Loans 1.49%
Risk-Based Capital Ratio --
Liquidity The Citizens State Bank of Cheney, Kansas
Cheney, KS 		Click to
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Hot Money Ratio 21.21%
Liquidity Ratio 12.35%
Profitability The Citizens State Bank of Cheney, Kansas
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5-Year Return on Average Assets 1.70%
Net Income 2.01M
Net Interest Spread 4.27%
Operating Profit to Average Assets 2.37%
Overhead Efficiency Ratio 50.49%
Return on Assets 2.28%
Return on Equity 28.65%