Side-by-side · Q2 2026 data
Citizens First Bank vs Shell Lake State Bank
Metric by metric
| Measure | Citizens First Bank | Shell Lake State Bank |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 53 | 73 (stronger) |
| Loan quality | 85 | 99 (stronger) |
| Earnings | 97 (stronger) | 79 |
| Funding & liquidity | 57 | 85 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 61st | 88th |
| Total assets | $344.5M | $361.8M |
| Deposits / shares | $283.1M | $314.2M |
| Capital ratio | 10.26% | 12.31% (stronger) |
| Problem loans | 0.44% | 0.03% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.93% (stronger) | 1.48% |
| Loans ÷ deposits | 89.1% | 75.6% (stronger) |
| Uninsured deposits | 28.3% | 10.8% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shell Lake State Bank has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens First Bank leads on 2 and Shell Lake State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.