Side-by-side · Q2 2026 data
Citizens' Bank & Trust Co. vs First State Bank
Metric by metric
| Measure | Citizens' Bank & Trust Co. | First State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 71 |
| Capital cushion | 68 (stronger) | 64 |
| Loan quality | 93 | 99 (stronger) |
| Earnings | 82 (stronger) | 45 |
| Funding & liquidity | 81 (stronger) | 55 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 82nd | 47th |
| Total assets | $566.4M | $665.4M |
| Deposits / shares | $503.2M | $547.0M |
| Capital ratio | 11.78% (stronger) | 11.42% |
| Problem loans | 0.20% | 0.04% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.55% (stronger) | 0.62% |
| Loans ÷ deposits | 60.8% (stronger) | 83.2% |
| Uninsured deposits | 31.2% (stronger) | 34.8% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.9% |
Citizens' Bank & Trust Co. has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank & Trust Co. leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.