Side-by-side · Q2 2026 data
Citizens State Bank and Trust Co., Ellsworth, Kansas vs FNB Bank
Bank
Citizens State Bank and Trust Co., Ellsworth, Kansas
Ellsworth, Kansas · $100 million – $1 billion
Metric by metric
| Measure | Citizens State Bank and Trust Co., Ellsworth, Kansas | FNB Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 45 |
| Capital cushion | 47 | 52 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 82 (stronger) | 71 |
| Funding & liquidity | 54 | 73 (stronger) |
| Problem-loan coverage | 98 (stronger) | 46 |
| Peer percentile | 50th | 4th |
| Total assets | $275.9M | $270.3M |
| Deposits / shares | $211.4M | $235.0M |
| Capital ratio | 9.74% | 10.21% (stronger) |
| Problem loans | 0.12% (stronger) | 4.03% |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 1.55% (stronger) | 1.28% |
| Loans ÷ deposits | 79.7% | 75.5% (stronger) |
| Uninsured deposits | 38.9% | 25.5% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank and Trust Co., Ellsworth, Kansas has the higher TellerScore (72 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank and Trust Co., Ellsworth, Kansas leads on 4 and FNB Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.