Side-by-side · Q2 2026 data
Audubon State Bank vs Citizens Savings Bank
Metric by metric
| Measure | Audubon State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 78 | 88 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 93 | 98 (stronger) |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 54 | 96 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 72nd | 92nd |
| Total assets | $155.3M | $151.1M |
| Deposits / shares | $131.0M | $129.2M |
| Capital ratio | 10.46% | 15.54% (stronger) |
| Problem loans | 0.20% | 0.05% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.38% (stronger) | 0.67% |
| Loans ÷ deposits | 93.0% | 52.1% (stronger) |
| Uninsured deposits | 26.7% | 18.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Savings Bank has the higher TellerScore (88 vs 78). On the 6 directional measures above (where higher or lower is clearly better), Audubon State Bank leads on 1 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.