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BDI
CS

The Citizens State Bank of Cheney, Kansas

Cheney, KansasFDIC Cert #9658

STATEEstablished 18841 branch

Holding company: CITIZENS STATE BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.53%
−59.9%y/y
Peer standing55th percentile
Peer standing in asset:lt_100m
FDICP3ASSET + LNLSGR
90+ %
0.24%
Peer standing22nd percentile
Peer standing in asset:lt_100m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.00%
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICNAASSET + LNLSGR
Noncurrent %
0.24%
Peer standing56th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.15%
Peer standing53rd percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$141K
Peer standing47th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.03%
+145.9%y/y
Peer standing20th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + LNLSGR
NCO
$4K
+150.0%y/y
Peer standing18th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.48%
−9.8%y/y
Percentile by value66th percentileby value
Peer standing in asset:lt_100m
FDICLNATRES + LNLSGR
30–89
$315K
−56.1%y/y
Peer standing36th percentile
Peer standing in asset:lt_100m
FDICP3ASSET
90+
$141K
Peer standing15th percentile
Peer standing in asset:lt_100m
FDICP9ASSET
Nonaccrual
$0
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICNAASSET