Side-by-side · Q2 2026 data
Bank of Lake Mills vs First Citizens State Bank
Metric by metric
| Measure | Bank of Lake Mills | First Citizens State Bank |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 48 (stronger) | 40 |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 57th | 95th |
| Total assets | $533.8M | $525.2M |
| Deposits / shares | $432.3M | $355.3M |
| Capital ratio | 11.24% | 18.00% (stronger) |
| Problem loans | 0.69% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.30% (stronger) | 1.85% |
| Loans ÷ deposits | 106.3% (stronger) | 109.2% |
| Uninsured deposits | 20.3% (stronger) | 25.1% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens State Bank has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Bank of Lake Mills leads on 3 and First Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.