Side-by-side · Q2 2026 data
Citizens State Bank and Trust Company vs First Federal Savings and Loan Bank
Metric by metric
| Measure | Citizens State Bank and Trust Company | First Federal Savings and Loan Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 93 (stronger) | 57 |
| Earnings | 100 | 100 |
| Funding & liquidity | 79 (stronger) | 63 |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 99th | 57th |
| Total assets | $103.6M | $109.5M |
| Deposits / shares | $79.6M | $91.8M |
| Capital ratio | 18.31% (stronger) | 12.27% |
| Problem loans | 0.21% (stronger) | 1.28% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.10% | 3.31% (stronger) |
| Loans ÷ deposits | 81.7% (stronger) | 93.4% |
| Uninsured deposits | 15.1% (stronger) | 18.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.7% |
Citizens State Bank and Trust Company has the higher TellerScore (95 vs 74). On the 6 directional measures above (where higher or lower is clearly better), Citizens State Bank and Trust Company leads on 5 and First Federal Savings and Loan Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.