Side-by-side · Q2 2026 data
Citizens State Bank and Trust Co., Ellsworth, Kansas vs Lyons Federal 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 | Lyons Federal Bank |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 47 | 77 (stronger) |
| Loan quality | 96 (stronger) | 92 |
| Earnings | 82 (stronger) | 62 |
| Funding & liquidity | 54 | 64 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 50th | 72nd |
| Total assets | $275.9M | $197.6M |
| Deposits / shares | $211.4M | $166.7M |
| Capital ratio | 9.74% | 12.70% (stronger) |
| Problem loans | 0.12% (stronger) | 0.23% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.55% (stronger) | 1.06% |
| Loans ÷ deposits | 79.7% (stronger) | 86.4% |
| Uninsured deposits | 38.9% | 23.9% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lyons Federal Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank and Trust Co., Ellsworth, Kansas leads on 3 and Lyons Federal Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ellsworth, KS