Side-by-side · Q2 2026 data
Citizens State Bank and Trust Company vs Exchange State Bank
Metric by metric
| Measure | Citizens State Bank and Trust Company | Exchange State Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 79 | 83 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 99th | 86th |
| Total assets | $103.6M | $105.0M |
| Deposits / shares | $79.6M | $88.1M |
| Capital ratio | 18.31% (stronger) | 11.59% |
| Problem loans | 0.21% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.10% (stronger) | 1.59% |
| Loans ÷ deposits | 81.7% | 77.0% (stronger) |
| Uninsured deposits | 15.1% | 12.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank and Trust Company has the higher TellerScore (95 vs 84). On the 6 directional measures above (where higher or lower is clearly better), Citizens State Bank and Trust Company leads on 3 and Exchange State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.