Side-by-side · Q2 2026 data
Citizens State Bank and Trust Company vs First National Bank in Fredonia
Metric by metric
| Measure | Citizens State Bank and Trust Company | First National Bank in Fredonia |
|---|---|---|
| TellerScore | 95 (stronger) | 87 |
| Capital cushion | 100 | 100 |
| Loan quality | 93 (stronger) | 79 |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 79 | 81 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 99th | 91st |
| Total assets | $103.6M | $104.4M |
| Deposits / shares | $79.6M | $92.5M |
| Capital ratio | 18.31% (stronger) | 16.73% |
| Problem loans | 0.21% (stronger) | 0.63% |
| Net charge-offs | 0.00% | -0.46% (stronger) |
| Return on assets | 2.10% (stronger) | 1.41% |
| Loans ÷ deposits | 81.7% | 31.8% (stronger) |
| Uninsured deposits | 15.1% (stronger) | 32.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank and Trust Company has the higher TellerScore (95 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank and Trust Company leads on 5 and First National Bank in Fredonia on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.