Side-by-side · Q2 2026 data
Citizens State Bank and Trust Co., Ellsworth, Kansas vs Patriots 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 | Patriots Bank |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 47 (stronger) | 42 |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 82 | 92 (stronger) |
| Funding & liquidity | 54 | 73 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 50th | 68th |
| Total assets | $275.9M | $268.8M |
| Deposits / shares | $211.4M | $233.4M |
| Capital ratio | 9.74% (stronger) | 9.20% |
| Problem loans | 0.12% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.55% | 1.81% (stronger) |
| Loans ÷ deposits | 79.7% (stronger) | 86.8% |
| Uninsured deposits | 38.9% | 12.9% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Patriots Bank has the higher TellerScore (77 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 2 and Patriots Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.