Side-by-side · Q2 2026 data
Union State Bank vs The Citizens State Bank of Cheney, Kansas
Metric by metric
| Measure | Union State Bank | The Citizens State Bank of Cheney, Kansas |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 52 | 61 (stronger) |
| Loan quality | 94 (stronger) | 57 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 85 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 64th | 51st |
| Total assets | $719.1M | $96.7M |
| Deposits / shares | $633.3M | $87.8M |
| Capital ratio | 10.25% | 11.10% (stronger) |
| Problem loans | 0.19% (stronger) | 1.30% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.27% | 2.45% (stronger) |
| Loans ÷ deposits | 68.4% (stronger) | 74.2% |
| Uninsured deposits | 19.1% | 16.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | 10.9% |
Union State Bank has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 3 and The Citizens State Bank of Cheney, Kansas on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.