Side-by-side · Q2 2026 data
Citizens Bank of Kansas vs First State Bank and Trust
Metric by metric
| Measure | Citizens Bank of Kansas | First State Bank and Trust |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 35 | 36 (stronger) |
| Loan quality | 99 (stronger) | 84 |
| Earnings | 60 | 67 (stronger) |
| Funding & liquidity | 98 (stronger) | 82 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 50th | 31st |
| Total assets | $548.4M | $514.9M |
| Deposits / shares | $498.6M | $457.6M |
| Capital ratio | 8.53% | 8.64% (stronger) |
| Problem loans | 0.02% (stronger) | 0.48% |
| Net charge-offs | 0.02% (stronger) | 0.44% |
| Return on assets | 1.01% | 1.18% (stronger) |
| Loans ÷ deposits | 47.4% (stronger) | 72.7% |
| Uninsured deposits | 17.0% (stronger) | 20.3% |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 17.6% |
Citizens Bank of Kansas has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kansas leads on 5 and First State Bank and Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.