The Citizens State Bank of Cheney, Kansas

306 North Main Street
Cheney, KS 67025

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9658
Date Established 1884
Assets $0.06 billion
Loans $0.03 billion
Deposits $0.05 billion
Capital $0.01 billion

The Citizens State Bank of Cheney, Kansas is an FDIC insured institution located in Cheney, KS. It was founded in 1884 and has approximately $0.06 billion in assets.

For a more detailed analysis of The Citizens State Bank of Cheney, Kansas's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.45% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $2,500 - Learn MoreShow Less
6 Mo CD
0.78% $1,000 - Learn MoreShow Less
12 Mo CD
1.82% $500 - Learn MoreShow Less
18 Mo CD
1.92% $500 - Learn MoreShow Less
24 Mo CD
2.07% $500 - Learn MoreShow Less

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1,000 - Learn MoreShow Less

Loan Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Citizens State Bank of Cheney, Kansas

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.536% 3.500% 0.50 $1,108 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to The Citizens State Bank of Cheney, Kansas
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Branches

The Citizens State Bank of Cheney, Kansas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Ashburn,Virginia


The Citizens State Bank of Cheney, Kansas Locations


Financial Details

The Citizens State Bank of Cheney, Kansas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Citizens State Bank of Cheney, Kansas. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Citizens State Bank of Cheney, Kansas U.S. Bank Average
6.86% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, The Citizens State Bank of Cheney, Kansas had $513,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,772,000 in equity and $704,000 in loans loss reserves. That gives it a Texas Ratio of 6.86%.

Return on Equity
The Citizens State Bank of Cheney, Kansas U.S. Bank Average
15.06% 9.47%

The Citizens State Bank of Cheney, Kansas has a Return on Equity of 15.06% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Citizens State Bank of Cheney, Kansas U.S. Bank Average
11.07% 12.49%

The Citizens State Bank of Cheney, Kansas has a Capitalization of 11.07% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Citizens State Bank of Cheney, Kansas Balance Sheet Analysis

As of March 31, 2019, The Citizens State Bank of Cheney, Kansas had assets of $61,149,000, loans of $34,926,000, and deposits of $54,309,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.05 billion
LIABILITIES
Total deposits $0.05 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 84.04%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The Citizens State Bank of Cheney, Kansas’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks in Kansas, The Citizens State Bank of Cheney, Kansas has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.56
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 11.31
Small Business Loans 0.00
Construction and Development Loans 3.13
Commercial Real Estate 15.75
Commercial and Industrial Loans 16.48
Farm Loans 17.80

Frequently Asked Questions About The Citizens State Bank Of Cheney, Kansas

Branches and Savings

Is The Citizens State Bank Of Cheney, Kansas FDIC insured?

Yes. It is covered under FDIC Certificate #9658.

Why does The Citizens State Bank Of Cheney, Kansas pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Citizens State Bank Of Cheney, Kansas CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Citizens State Bank Of Cheney, Kansas a commercial bank?

Yes

Where are The Citizens State Bank Of Cheney, Kansas locations?

See branch locations nearby.

Is The Citizens State Bank Of Cheney, Kansas open on Saturdays?

Is The Citizens State Bank Of Cheney, Kansas open on Sundays?

What time does The Citizens State Bank Of Cheney, Kansas open?

What time does The Citizens State Bank Of Cheney, Kansas close?

Are The Citizens State Bank Of Cheney, Kansas ATMs Open 24/7?

Do The Citizens State Bank Of Cheney, Kansas ATMs accept cash deposits?

Can The Citizens State Bank Of Cheney, Kansas customers use other ATMs?

Do The Citizens State Bank Of Cheney, Kansas branches have notaries?

Will The Citizens State Bank Of Cheney, Kansas notarize my document?

What address for The Citizens State Bank Of Cheney, Kansas should I put for incoming ACH transfers?

Will the The Citizens State Bank Of Cheney, Kansas branch print checks?

Do The Citizens State Bank Of Cheney, Kansas checks expire?

Does The Citizens State Bank Of Cheney, Kansas require US citizenship to open account?

Can The Citizens State Bank Of Cheney, Kansas close my account?

Does The Citizens State Bank Of Cheney, Kansas Report to credit bureaus?

Does The Citizens State Bank Of Cheney, Kansas Use Equifax?

What is The Citizens State Bank Of Cheney, Kansas's ACH Routing Number?

What is The Citizens State Bank Of Cheney, Kansas's SWIFT code?

Products

Does The Citizens State Bank Of Cheney, Kansas offer mortgages?

Compare mortgage rates here.

Does The Citizens State Bank Of Cheney, Kansas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Citizens State Bank Of Cheney, Kansas offer personal loans?

Compare personal loan rates here.

Does The Citizens State Bank Of Cheney, Kansas offer student loans?

Will The Citizens State Bank Of Cheney, Kansas cash a check?

Will The Citizens State Bank Of Cheney, Kansas redeem a savings bond?

Does The Citizens State Bank Of Cheney, Kansas cash savings bonds?

Will The Citizens State Bank Of Cheney, Kansas cash money orders?

Can The Citizens State Bank Of Cheney, Kansas issue a money order?

Does The Citizens State Bank Of Cheney, Kansas do currency exchange?

Background on The Bank

Who owns The Citizens State Bank Of Cheney, Kansas?

How long has The Citizens State Bank Of Cheney, Kansas been around?

Can The Citizens State Bank Of Cheney, Kansas transfer to other banks?

Does The Citizens State Bank Of Cheney, Kansas have quick pay?

Does The Citizens State Bank Of Cheney, Kansas accept rolled coins?

Will The Citizens State Bank Of Cheney, Kansas accept loose change?

Where is The Citizens State Bank Of Cheney, Kansas headquarters?

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