CITIZENS STATE BANCSHARES INC is the bank holding company. THE CITIZENS STATE BANK OF CHENEY, KANSAS is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

CITIZENS STATE BANCSHARES INC

Legal name: CITIZENS STATE BANCSHARES, INC.

1 active bank · $95M combined assets

RSSD ID: 2146395 (FFIEC NIC)

Combined Assets

$95M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE CITIZENS STATE BANK OF CHENEY, KANSASCHENEY, KSSatisfactory$95MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$95M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$87M

Net Income

$611K

ROA (avg)

2.67%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

82.86%

Denial Rate

5.71%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE CITIZENS STATE BANK OF CHENEY, KANSAS	CHENEY, KS	FDIC	$95M	100.0%	Satisfactory	Dec 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.