Side-by-side · Q2 2026 data
The Citizens State Bank of Cheney, Kansas vs Johnson State Bank
Metric by metric
| Measure | The Citizens State Bank of Cheney, Kansas | Johnson State Bank |
|---|---|---|
| TellerScore | 74 | 85 (stronger) |
| Capital cushion | 61 | 97 (stronger) |
| Loan quality | 57 | 96 (stronger) |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 85 | 86 (stronger) |
| Problem-loan coverage | 82 (stronger) | 75 |
| Peer percentile | 51st | 78th |
| Total assets | $96.7M | $96.6M |
| Deposits / shares | $87.8M | $80.7M |
| Capital ratio | 11.10% | 14.72% (stronger) |
| Problem loans | 1.30% | 0.12% (stronger) |
| Net charge-offs | 0.01% | -0.21% (stronger) |
| Return on assets | 2.45% (stronger) | 0.93% |
| Loans ÷ deposits | 74.2% | 42.6% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 27.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | — |
Johnson State Bank has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank of Cheney, Kansas leads on 2 and Johnson State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.