Side-by-side · Q2 2026 data
Citizens 1st Bank vs American State Bank
Metric by metric
| Measure | Citizens 1st Bank | American State Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 44 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 82 (stronger) | 32 |
| Earnings | 89 (stronger) | 23 |
| Funding & liquidity | 34 | 54 (stronger) |
| Problem-loan coverage | 96 (stronger) | 58 |
| Peer percentile | 84th | 4th |
| Total assets | $811.0M | $637.8M |
| Deposits / shares | $615.5M | $535.5M |
| Capital ratio | 20.52% (stronger) | 10.91% |
| Problem loans | 0.53% (stronger) | 2.03% |
| Net charge-offs | 0.26% (stronger) | 0.92% |
| Return on assets | 1.71% (stronger) | 0.08% |
| Loans ÷ deposits | 77.8% (stronger) | 84.4% |
| Uninsured deposits | 58.3% | 34.9% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Citizens 1st Bank has the higher TellerScore (83 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 6 and American State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.