BlastPoint's Banking Scorecard
The Citizens State Bank of Cheney, Kansas
Micro
Specialty: Other
KS
FDIC cert 9658
Designations: ✓ Community bank
Cheney, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Citizens State Bank of Cheney, Kansas shows strong momentum with 1 strength and 10.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.23% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.1M
+10.3% YoY
-1.2% QoQ
|
-$129.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$59.0M
+9.0% YoY
+1.6% QoQ
|
-$80.2M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$80.3M
+9.3% YoY
-1.2% QoQ
|
-$103.4M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
2.31%
+17.9% YoY
+1.9% QoQ
|
+1.23% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.55%
+4.9% YoY
+1.1% QoQ
|
+0.70% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
50.49%
-7.5% YoY
-1.0% QoQ
|
-17.24% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? | 0.03% | -0.61% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
73.47%
-0.2% YoY
+2.9% QoQ
|
-1.06% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
29.57%
+8.8% YoY
+6.8% QoQ
|
+7.18% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? | 0.02% | -0.43% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.46%
-2.4% YoY
+36.9% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.31%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.08%
89
89th pctile
Efficiency Ratio
Current: 50.49% · Tier avg: 67.73%
81
81th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.85%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.57% · Tier avg: 22.39%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.47% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
24
24th pctile
Total Loans
Current: $59.0M · Tier avg: $139.2M
22
22th pctile
Total Deposits
Current: $80.3M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $88.1M · Tier avg: $217.5M
Top Weaknesses
19
19th pctile
Total Assets
Current: $88.1M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $80.3M · Tier avg: $183.7M
24
24th pctile
Total Loans
Current: $59.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.47% · Tier avg: 74.53%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.57% · Tier avg: 22.39%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
81
81th pctile
Net Interest Margin
Current: 4.55% · Tier avg: 3.85%
89
89th pctile
Efficiency Ratio
Current: 50.49% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.08%