Side-by-side · Q2 2026 data
Citizens Community Bank vs First Secure Community Bank
Metric by metric
| Measure | Citizens Community Bank | First Secure Community Bank |
|---|---|---|
| TellerScore | 31 | 34 (stronger) |
| Capital cushion | 48 (stronger) | 44 |
| Loan quality | 0 | 5 (stronger) |
| Earnings | 8 | 31 (stronger) |
| Funding & liquidity | 80 (stronger) | 63 |
| Problem-loan coverage | 33 | 43 (stronger) |
| Peer percentile | 1st | 1st |
| Total assets | $531.0M | $528.8M |
| Deposits / shares | $446.1M | $427.8M |
| Capital ratio | 9.83% (stronger) | 9.43% |
| Problem loans | 5.81% | 2.85% (stronger) |
| Net charge-offs | 0.87% | 0.05% (stronger) |
| Return on assets | -0.30% | 0.28% (stronger) |
| Loans ÷ deposits | 61.2% (stronger) | 90.5% |
| Uninsured deposits | 32.0% | 21.5% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
First Secure Community Bank has the higher TellerScore (34 vs 31). On the 7 directional measures above (where higher or lower is clearly better), Citizens Community Bank leads on 2 and First Secure Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.