Side-by-side · Q2 2026 data
Chillicothe State Bank vs Community State Bank
Metric by metric
| Measure | Chillicothe State Bank | Community State Bank |
|---|---|---|
| TellerScore | 64 | 83 (stronger) |
| Capital cushion | 29 | 70 (stronger) |
| Loan quality | 76 | 97 (stronger) |
| Earnings | 70 | 91 (stronger) |
| Funding & liquidity | 84 (stronger) | 63 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 26th | 84th |
| Total assets | $135.2M | $132.8M |
| Deposits / shares | $122.7M | $109.2M |
| Capital ratio | 7.89% | 12.05% (stronger) |
| Problem loans | 0.72% | 0.10% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.20% |
| Return on assets | 1.24% | 1.78% (stronger) |
| Loans ÷ deposits | 60.6% (stronger) | 84.5% |
| Uninsured deposits | 29.3% | 26.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community State Bank has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Chillicothe State Bank leads on 2 and Community State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.