Side-by-side · Q2 2026 data
Citizens Savings Bank vs Hiawatha Bank and Trust Company
Metric by metric
| Measure | Citizens Savings Bank | Hiawatha Bank and Trust Company |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 47 | 73 (stronger) |
| Funding & liquidity | 96 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 92nd | 57th |
| Total assets | $151.1M | $156.9M |
| Deposits / shares | $129.2M | $133.9M |
| Capital ratio | 15.54% (stronger) | 10.98% |
| Problem loans | 0.05% (stronger) | 0.22% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.67% | 1.33% (stronger) |
| Loans ÷ deposits | 52.1% (stronger) | 79.8% |
| Uninsured deposits | 18.6% (stronger) | 33.5% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
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 Hiawatha Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.