Side-by-side · Q2 2026 data
Citizens Bank vs First State Bank
Metric by metric
| Measure | Citizens Bank | First State Bank |
|---|---|---|
| TellerScore | 60 | 62 (stronger) |
| Capital cushion | 19 | 45 (stronger) |
| Loan quality | 99 (stronger) | 54 |
| Earnings | 52 | 99 (stronger) |
| Funding & liquidity | 60 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 19th | 22nd |
| Total assets | $488.8M | $478.1M |
| Deposits / shares | $441.6M | $429.1M |
| Capital ratio | 6.90% | 9.48% (stronger) |
| Problem loans | 0.02% (stronger) | 1.38% |
| Net charge-offs | -0.02% (stronger) | 0.09% |
| Return on assets | 0.79% | 1.98% (stronger) |
| Loans ÷ deposits | 72.2% (stronger) | 81.5% |
| Uninsured deposits | 40.1% | 36.2% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
First State Bank has the higher TellerScore (62 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.