Side-by-side · Q2 2026 data
Cherokee State Bank vs The Citizens First National Bank of Storm Lake
Bank
The Citizens First National Bank of Storm Lake
Storm Lake, Iowa · $100 million – $1 billion
Metric by metric
| Measure | Cherokee State Bank | The Citizens First National Bank of Storm Lake |
|---|---|---|
| TellerScore | 83 | 99 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 78 | 92 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 84th | 100th |
| Total assets | $271.1M | $256.5M |
| Deposits / shares | $218.9M | $210.5M |
| Capital ratio | 13.03% | 15.87% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | -0.11% | -0.11% (stronger) |
| Return on assets | 1.03% | 2.50% (stronger) |
| Loans ÷ deposits | 82.5% | 64.2% (stronger) |
| Uninsured deposits | 15.1% (stronger) | 18.7% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens First National Bank of Storm Lake has the higher TellerScore (99 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Cherokee State Bank leads on 2 and The Citizens First National Bank of Storm Lake on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.