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The Citizens State Bank Of Cheney, Kansas
Cheney, KS · FDIC Certificate #9658 · Chartered 01/0
Total assets
$96.67M
Total deposits
$87.79M
Total equity
$8.71M
Net loans
$65.18M
Branches (offices)
1
Net income (YTD)
$1.14M
Rank: #3,700 of 4,213 U.S. banks by assets · #138 of 183 in Kansas. Assets changed 5.7% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.45% |
| Return on equity | 28.21% |
| Net interest margin (YTD) | 4.65% |
| Equity to assets | 9.01% |
| Tier 1 leverage ratio | 11.10% |
| Uninsured deposits (share of deposits) | 16.0% |
| Noncurrent loans (share of loans) | 1.30% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 74.2% |
| Real estate loans (share of loans) | 68.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $44.93M | 68.9% | |
| Commercial & industrial | $9.19M | 14.1% | |
| Consumer / individual | $6.63M | 10.2% | |
| Construction & development | $7.17M | 11.0% | |
| Agricultural | $4.60M | 7.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $83.55M | $78.39M | $664.00K | $5.13M |
| Jun 2023 | $80.25M | $74.77M | $758.00K | $5.39M |
| Jun 2024 | $82.53M | $76.51M | $730.00K | $5.88M |
| Jun 2025 | $91.44M | $84.23M | $903.00K | $7.04M |
| Jun 2026 | $96.67M | $87.79M | $1.14M | $8.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $87.79M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $87.79M.
Similar-sized banks
Bank47 ($96.96M) · The Miners National Bank Of Eveleth ($96.60M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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