Side-by-side · Q2 2026 data
Citizens Savings Bank vs First State Bank
Metric by metric
| Measure | Citizens Savings Bank | First State Bank |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 49 | 57 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 63 | 85 (stronger) |
| Funding & liquidity | 79 (stronger) | 67 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 51st | 63rd |
| Total assets | $77.9M | $72.5M |
| Deposits / shares | $64.6M | $61.7M |
| Capital ratio | 9.90% | 10.71% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.07% | 1.62% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 89.5% |
| Uninsured deposits | 19.2% | 18.3% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (79 vs 74). On the 5 directional measures above (where higher or lower is clearly better), Citizens Savings Bank leads on 1 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.