Side-by-side · Q2 2026 data
CBI Bank & Trust vs Community State Bank
Metric by metric
| Measure | CBI Bank & Trust | Community State Bank |
|---|---|---|
| TellerScore | 64 | 76 (stronger) |
| Capital cushion | 52 | 67 (stronger) |
| Loan quality | 66 | 94 (stronger) |
| Earnings | 64 | 74 (stronger) |
| Funding & liquidity | 68 (stronger) | 52 |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 33rd | 80th |
| Total assets | $1.7B | $1.7B |
| Deposits / shares | $1.4B | $1.3B |
| Capital ratio | 10.23% | 11.67% (stronger) |
| Problem loans | 1.01% | 0.19% (stronger) |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 1.11% | 1.34% (stronger) |
| Loans ÷ deposits | 73.8% (stronger) | 101.2% |
| Uninsured deposits | 31.2% | 21.7% (stronger) |
| Offices | 24 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.6% |
Community State Bank has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), CBI Bank & Trust leads on 1 and Community State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.