Side-by-side · Q2 2026 data
Citizens Community Bank vs Four States Bank
Metric by metric
| Measure | Citizens Community Bank | Four States Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 68 (stronger) | 21 |
| Funding & liquidity | 85 (stronger) | 44 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 75th | 64th |
| Total assets | $142.6M | $142.1M |
| Deposits / shares | $125.9M | $114.3M |
| Capital ratio | 11.56% | 15.85% (stronger) |
| Problem loans | 0.27% | 0.00% (stronger) |
| Net charge-offs | 0.25% | 0.00% (stronger) |
| Return on assets | 1.19% (stronger) | 0.03% |
| Loans ÷ deposits | 75.7% (stronger) | 89.5% |
| Uninsured deposits | 9.8% (stronger) | 39.1% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Bank has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Community Bank leads on 4 and Four States Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.