B
The Citizens State Bank of Cheney, Kansas
Cheney,  KS
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.10
Return On
Assets
2.38%
Total
Assets
96.67M
Capital
8.71M
Total
Deposits
87.79M
Net
Income
1.14M
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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 5.70
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 9.40
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 5.71%
5-Year Asset Growth 4.39%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.71%
Non-Performing Loans to Capital 8.94%
Non-Performing Loans to Loans 1.03%
Balance Sheet The Citizens State Bank of Cheney, Kansas
Cheney, KS 		Click to
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Total Assets 96.67M
Total Deposits 87.79M
Capital and Reserves The Citizens State Bank of Cheney, Kansas
Cheney, KS 		Click to
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Capital 8.71M
Leverage Ratio 11.10
Loan Loss Reserves to Loans 1.34%
Risk-Based Capital Ratio --
Liquidity The Citizens State Bank of Cheney, Kansas
Cheney, KS 		Click to
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Hot Money Ratio 20.32%
Liquidity Ratio 14.58%
Profitability The Citizens State Bank of Cheney, Kansas
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5-Year Return on Average Assets 1.88%
Net Income 1.14M
Net Interest Spread 4.44%
Operating Profit to Average Assets 2.45%
Overhead Efficiency Ratio 48.72%
Return on Assets 2.38%
Return on Equity 28.27%