Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Commercial State Bank
Metric by metric
| Measure | Citizens Bank & Trust Company | Commercial State Bank |
|---|---|---|
| TellerScore | 54 | 76 (stronger) |
| Capital cushion | 64 (stronger) | 46 |
| Loan quality | 19 | 96 (stronger) |
| Earnings | 56 | 93 (stronger) |
| Funding & liquidity | 80 (stronger) | 64 |
| Problem-loan coverage | 68 | 98 (stronger) |
| Peer percentile | 10th | 64th |
| Total assets | $242.3M | $264.4M |
| Deposits / shares | $199.8M | $237.3M |
| Capital ratio | 11.45% (stronger) | 9.64% |
| Problem loans | 2.42% | 0.12% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 0.89% | 1.83% (stronger) |
| Loans ÷ deposits | 80.1% (stronger) | 91.2% |
| Uninsured deposits | 4.1% (stronger) | 19.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
Commercial State Bank has the higher TellerScore (76 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 4 and Commercial State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.