Side-by-side · Q2 2026 data
American Trust and Savings Bank vs Citizens State Bank
Metric by metric
| Measure | American Trust and Savings Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 46 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 0 | 79 (stronger) |
| Funding & liquidity | 97 (stronger) | 84 |
| Problem-loan coverage | 13 | 98 (stronger) |
| Peer percentile | 7th | 96th |
| Total assets | $27.8M | $137.7M |
| Deposits / shares | $23.2M | $112.0M |
| Capital ratio | 15.65% | 17.93% (stronger) |
| Problem loans | 30.07% | 0.25% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.14% |
| Return on assets | -1.02% | 1.47% (stronger) |
| Loans ÷ deposits | 22.7% (stronger) | 68.7% |
| Uninsured deposits | 17.6% (stronger) | 21.5% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (91 vs 46). On the 7 directional measures above (where higher or lower is clearly better), American Trust and Savings Bank leads on 3 and Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.