Side-by-side · Q2 2026 data
Citizens Savings Bank vs State Bank
Metric by metric
| Measure | Citizens Savings Bank | State Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 61 |
| Capital cushion | 49 (stronger) | 33 |
| Loan quality | 100 (stronger) | 77 |
| Earnings | 63 (stronger) | 52 |
| Funding & liquidity | 79 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 51st | 19th |
| Total assets | $77.9M | $74.9M |
| Deposits / shares | $64.6M | $68.2M |
| Capital ratio | 9.90% (stronger) | 8.31% |
| Problem loans | 0.00% (stronger) | 0.70% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.07% (stronger) | 0.80% |
| Loans ÷ deposits | 76.4% | 74.8% (stronger) |
| Uninsured deposits | 19.2% | 18.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Savings Bank has the higher TellerScore (74 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank leads on 4 and State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.