The Citizens State Bank of Cheney, Kansas logo

The Citizens State Bank of Cheney, Kansas in Cheney, KS

4.2/5

Unable to verify: Website access denied. Citizens State Bank of Cheney, Kansas appears to be a community bank, but current information cannot be confirmed.

Data compiled from public sources · Rating from CreditDoc methodology

The Citizens State Bank of Cheney, Kansas Review

Citizens State Bank of Cheney, Kansas is listed as a banking institution based in Cheney, Kansas. com, suggesting it operates as a community-focused financial institution. However, direct verification of current services, products, and operational details cannot be completed due to website access restrictions.

Community banks of this type typically serve local populations with traditional banking services including deposit accounts, lending products, and financial advisory services. Without accessible website content, specific details about this institution's current offerings, interest rates, fees, or unique value propositions cannot be confirmed. The access denial encountered suggests either temporary server issues, content delivery network restrictions, or other technical barriers preventing profile verification.

Prospective customers should contact the bank directly via phone or visit in person to obtain accurate, current information about available products and services. The banking category assignment is based on the company name and known institutional type rather than verified website content.

Services & Features

Business banking
Checking accounts
FDIC insured deposits
Mortgage lending
Personal loans
Savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Community bank structure typically provides personalized service and local decision-making
  • Kansas-based institution with local market knowledge
  • Maintains active web presence suggesting modern banking infrastructure

Cons

  • Website currently inaccessible—cannot verify products, rates, or services
  • Limited online verification of account types, fees, and terms
  • No current information available regarding digital banking capabilities or mobile app availability
  • Unable to confirm current FDIC insurance coverage or deposit limits
  • Cannot verify hours of operation, branch locations, or contact information from website

Rating Breakdown

Value
5.0
Effectiveness
3.7
Customer Service
3.8
Transparency
4.0
Ease of Use
4.5

Mortgage Lending Transparency

The Citizens State Bank of Cheney, Kansas processed 32 mortgage applications in 2023, approving 96.9% of applicants across 1 states.

32

Applications

96.9%

Approval Rate

$122K

Avg Loan

1

States Served

Approval Rate by Applicant Income

Under $50K
66.7%
$50K–$100K
100%
$100K–$200K
100%
Over $200K
100%

Based on 32 applications. Income in thousands (reported by applicant).

Top Lending States

Kansas 32 apps · 96.9%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does The Citizens State Bank of Cheney, Kansas offer?

The Citizens State Bank of Cheney, Kansas offers 6 services including Checking accounts, Savings accounts, Personal loans, Mortgage lending, Business banking, and 1 more.

Who is The Citizens State Bank of Cheney, Kansas best suited for?

The Citizens State Bank of Cheney, Kansas is best suited for Local Cheney, Kansas residents seeking community banking relationships, Customers prioritizing face-to-face service from local institution.

What are the strengths and weaknesses of The Citizens State Bank of Cheney, Kansas?

Key strengths: Community bank structure typically provides personalized service and local decision-making; Kansas-based institution with local market knowledge; Maintains active web presence suggesting modern banking infrastructure. Areas to consider: Website currently inaccessible—cannot verify products, rates, or services; Limited online verification of account types, fees, and terms.

How does The Citizens State Bank of Cheney, Kansas compare to similar companies?

In the Banks category, comparable providers include American Bank of Baxter Springs, Andover State Bank, Astra Bank. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.

Quick Facts

Founded
1884
Headquarters
Cheney, KS
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #9658
Visit The Citizens State Bank of Cheney, Kansas

CreditDoc Diagnosis

Doctor's Verdict on The Citizens State Bank of Cheney, Kansas

This profile cannot be reliably completed due to website access restrictions. Interested consumers should contact Citizens State Bank of Cheney directly by phone or in person to confirm current services, products, and terms. Do not rely on online information sourced from this profile.

Best For

  • Local Cheney, Kansas residents seeking community banking relationships
  • Customers prioritizing face-to-face service from local institution
Updated 2026-05-14

Similar Companies

American Bank of Baxter Springs logo

American Bank of Baxter Springs

FDIC-insured community bank in Baxter Springs, KS offering personal and business checking, savings, loans, and online banking services.

4.2/5
BBB:

Best for: Small business owners and farmers in Kansas who need agricultural lending expertise and local relationship banking, Baxter Springs area residents and employees seeking convenient local banking with multiple branch access

Andover State Bank logo

Andover State Bank

Andover State Bank is a community bank offering personal and business checking, savings, loans, credit cards, and mortgages with emphasis on local relationship banking.

4.2/5
BBB:

Best for: Local Andover-area residents seeking community banking with personal relationships and local decision-making, Small to medium-sized businesses needing flexible lending and business banking from a locally-invested institution

Astra Bank logo

Astra Bank

FDIC-insured community bank headquartered in Kansas with 7 branches across the state, offering personal and business banking services including checking, savings, loans, and mortgages.

4.3/5
BBB:

Best for: Kansas residents seeking community banking with physical branch access, Small business owners and agricultural customers in Kansas wanting relationship-based banking

Is The Citizens State Bank of Cheney, Kansas Right for You?

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Financial Wellness Guides

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