Side-by-side · Q2 2026 data
Better Banks vs Citizens State Bank
Metric by metric
| Measure | Better Banks | Citizens State Bank |
|---|---|---|
| TellerScore | 59 | 67 (stronger) |
| Capital cushion | 44 | 46 (stronger) |
| Loan quality | 48 | 59 (stronger) |
| Earnings | 65 | 89 (stronger) |
| Funding & liquidity | 87 (stronger) | 81 |
| Problem-loan coverage | 74 | 83 (stronger) |
| Peer percentile | 17th | 34th |
| Total assets | $445.8M | $453.3M |
| Deposits / shares | $407.0M | $407.5M |
| Capital ratio | 9.43% | 9.58% (stronger) |
| Problem loans | 1.55% | 1.23% (stronger) |
| Net charge-offs | 0.13% | -0.02% (stronger) |
| Return on assets | 1.14% | 1.73% (stronger) |
| Loans ÷ deposits | 72.9% (stronger) | 73.5% |
| Uninsured deposits | 8.0% (stronger) | 19.7% |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
Citizens State Bank has the higher TellerScore (67 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Better Banks leads on 2 and Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.