Side-by-side · Q2 2026 data
Citizens Savings Bank vs Citizens State Bank
Metric by metric
| Measure | Citizens Savings Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 74 | 91 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 61 | 79 (stronger) |
| Funding & liquidity | 86 (stronger) | 84 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 57th | 96th |
| Total assets | $165.9M | $137.7M |
| Deposits / shares | $151.3M | $112.0M |
| Capital ratio | 9.50% | 17.93% (stronger) |
| Problem loans | 0.00% (stronger) | 0.25% |
| Net charge-offs | -0.01% (stronger) | 0.14% |
| Return on assets | 1.02% | 1.47% (stronger) |
| Loans ÷ deposits | 45.4% (stronger) | 68.7% |
| Uninsured deposits | 27.7% | 21.5% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (91 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank leads on 3 and Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.