Side-by-side · Q2 2026 data
American State Bank vs Citizens State Bank
Metric by metric
| Measure | American State Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 66 | 87 (stronger) |
| Capital cushion | 58 | 75 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 80 | 90 (stronger) |
| Funding & liquidity | 24 | 75 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 40th | 91st |
| Total assets | $1.4B | $194.7M |
| Deposits / shares | $1.2B | $166.1M |
| Capital ratio | 10.81% | 12.45% (stronger) |
| Problem loans | 0.65% | 0.00% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.51% | 1.74% (stronger) |
| Loans ÷ deposits | 109.7% | 78.3% (stronger) |
| Uninsured deposits | 38.7% | 20.7% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | — |
Citizens State Bank has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), American State Bank leads on 0 and Citizens State Bank on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.