Side-by-side · Q2 2026 data
The Citizens State Bank of Cheney, Kansas vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | The Citizens State Bank of Cheney, Kansas | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 61 (stronger) | 40 |
| Loan quality | 57 | 96 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 85 (stronger) | 63 |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 51st | 54th |
| Total assets | $96.7M | $96.1M |
| Deposits / shares | $87.8M | $84.3M |
| Capital ratio | 11.10% (stronger) | 8.96% |
| Problem loans | 1.30% | 0.11% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.45% (stronger) | 1.95% |
| Loans ÷ deposits | 74.2% (stronger) | 96.8% |
| Uninsured deposits | 16.0% | 15.5% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | — |
The Citizens State Bank and Trust Company has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank of Cheney, Kansas leads on 3 and The Citizens State Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.