Side-by-side · Q2 2026 data
Citizens Savings Bank vs CUSB Bank
Metric by metric
| Measure | Citizens Savings Bank | CUSB Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 98 (stronger) | 78 |
| Earnings | 47 | 81 (stronger) |
| Funding & liquidity | 96 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 92nd | 57th |
| Total assets | $151.1M | $812.1M |
| Deposits / shares | $129.2M | $699.3M |
| Capital ratio | 15.54% (stronger) | 12.27% |
| Problem loans | 0.05% (stronger) | 0.65% |
| Net charge-offs | 0.00% (stronger) | 0.19% |
| Return on assets | 0.67% | 1.53% (stronger) |
| Loans ÷ deposits | 52.1% (stronger) | 90.7% |
| Uninsured deposits | 18.6% (stronger) | 32.5% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.0% |
Citizens Savings Bank has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank leads on 6 and CUSB Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.