Side-by-side · Q2 2026 data
Central State Bank vs Citizens Savings Bank
Metric by metric
| Measure | Central State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 55 | 74 (stronger) |
| Capital cushion | 54 (stronger) | 49 |
| Loan quality | 53 | 100 (stronger) |
| Earnings | 55 | 63 (stronger) |
| Funding & liquidity | 48 | 79 (stronger) |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 11th | 51st |
| Total assets | $557.8M | $77.9M |
| Deposits / shares | $465.9M | $64.6M |
| Capital ratio | 10.43% (stronger) | 9.90% |
| Problem loans | 1.42% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.88% | 1.07% (stronger) |
| Loans ÷ deposits | 94.7% | 76.4% (stronger) |
| Uninsured deposits | 31.0% | 19.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | — |
Citizens Savings Bank has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 2 and Citizens Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.