Side-by-side · Q2 2026 data
Citizens Bank vs First State Bank
Metric by metric
| Measure | Citizens Bank | First State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 81 |
| Capital cushion | 51 | 51 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 80 | 97 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 82nd | 80th |
| Total assets | $309.8M | $308.8M |
| Deposits / shares | $273.4M | $275.9M |
| Capital ratio | 10.07% | 10.08% (stronger) |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.27% (stronger) | 1.52% |
| Loans ÷ deposits | 63.5% | 60.5% (stronger) |
| Uninsured deposits | 30.2% | 17.9% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (82 vs 81). On the 6 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.