Side-by-side · Q2 2026 data
Citizens Bank vs DeMotte State Bank
Metric by metric
| Measure | Citizens Bank | DeMotte State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 54 |
| Capital cushion | 48 | 69 (stronger) |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 59 | 69 (stronger) |
| Funding & liquidity | 68 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 61 |
| Peer percentile | 47th | 10th |
| Total assets | $690.6M | $622.0M |
| Deposits / shares | $622.8M | $514.9M |
| Capital ratio | 9.78% | 11.85% (stronger) |
| Problem loans | 0.09% (stronger) | 3.55% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 0.98% | 1.23% (stronger) |
| Loans ÷ deposits | 74.1% | 49.4% (stronger) |
| Uninsured deposits | 31.0% | 22.1% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.6% | 11.4% |
Citizens Bank has the higher TellerScore (71 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and DeMotte State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.