Bank · FDIC insured
Citizens State Bank Cheney
A $96.7M bank headquartered in Cheney, KS, with 1 branch in Kansas. Best rates: CDs 3.98% and savings 0.40% APY.
Citizens State Bank Cheney Carrot Score
70
Carrot Score
Higher than 25% of U.S. banks and credit unions
#20 of 39 in Wichita, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens State Bank Cheney
The Citizens State Bank of Cheney, Kansas was established in Cheney, Kansas in 1884 as the Citizens Bank, operating initially as a private bank.
In January 1905, C.Q. Chandler of Wichita and the F.E. Carr family of Wellington purchased controlling interest in the bank.
The institution became a state bank known as Citizens State Bank and later merged with the State Bank of Garden Plain in 1940.
- Headquarters
- 306 N Main St, Cheney, KS 67025
- FDIC certificate
- 9658 ↗
Branches
1 branch in Kansas
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Kansas
1 branch
- The Citizens State Bank of Cheney, KansasMain office306 N Main St, Cheney, KS 67025Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.10% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 1.30% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 2.45% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $75 | $67 | — |
- CapitalLeverage ratio11.10%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent1.30%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets2.45%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$75Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens State Bank Cheney are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.