Side-by-side · Q2 2026 data
Bank of O'Fallon vs Citizens Community Bank
Metric by metric
| Measure | Bank of O'Fallon | Citizens Community Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 31 |
| Capital cushion | 88 (stronger) | 48 |
| Loan quality | 77 (stronger) | 0 |
| Earnings | 91 (stronger) | 8 |
| Funding & liquidity | 55 | 80 (stronger) |
| Problem-loan coverage | 91 (stronger) | 33 |
| Peer percentile | 80th | 1st |
| Total assets | $377.5M | $531.0M |
| Deposits / shares | $324.1M | $446.1M |
| Capital ratio | 13.82% (stronger) | 9.83% |
| Problem loans | 0.69% (stronger) | 5.81% |
| Net charge-offs | 0.02% (stronger) | 0.87% |
| Return on assets | 1.78% (stronger) | -0.30% |
| Loans ÷ deposits | 86.1% | 61.2% (stronger) |
| Uninsured deposits | 32.4% | 32.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.4% |
Bank of O'Fallon has the higher TellerScore (81 vs 31). On the 7 directional measures above (where higher or lower is clearly better), Bank of O'Fallon leads on 5 and Citizens Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.