The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 13 points (87 → 74), mostly because the loan quality component weakened by 43 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Kansas

Yes. The Citizens State Bank of Cheney, Kansas is an FDIC-insured institution (FDIC certificate #9658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.0% of deposits ($14.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

The Citizens State Bank of Cheney, Kansas lists 1 office in 1 city. Most locations:

• Cheney, KS (1)

All branch addresses and map

In 2025, The Citizens State Bank of Cheney, Kansas reported 65 home-loan applications under HMDA (LEI 549300XZNS9SEC471Q24): 49 originated ($10,685,000 total), 6 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

The Citizens State Bank of Cheney, Kansas

Type

State-chartered bank

FDIC certificate #

9658

RSSD ID

924254

Primary regulator

FDIC

Holding company

Citizens State Bancshares Inc

Established

January 1, 1884

Headquarters

306 N Main St, Cheney, KS 67025

Website

www.csbcheneyks.com

Employees

12