Side-by-side · Q2 2026 data
Citizens Bank vs Citizens State Bank
Metric by metric
| Measure | Citizens Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 60 | 76 (stronger) |
| Capital cushion | 19 | 53 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 52 | 77 (stronger) |
| Funding & liquidity | 60 | 67 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 19th | 64th |
| Total assets | $488.8M | $507.0M |
| Deposits / shares | $441.6M | $456.6M |
| Capital ratio | 6.90% | 10.35% (stronger) |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.79% | 1.42% (stronger) |
| Loans ÷ deposits | 72.2% | 68.5% (stronger) |
| Uninsured deposits | 40.1% | 37.4% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (76 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 1 and Citizens State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.