Side-by-side · Q2 2026 data
Citizens State Bank and Trust Company vs The Bendena State Bank
Metric by metric
| Measure | Citizens State Bank and Trust Company | The Bendena State Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 79 (stronger) | 68 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 99th | 68th |
| Total assets | $103.6M | $131.5M |
| Deposits / shares | $79.6M | $114.7M |
| Capital ratio | 18.31% (stronger) | 9.96% |
| Problem loans | 0.21% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.10% (stronger) | 1.64% |
| Loans ÷ deposits | 81.7% | 74.8% (stronger) |
| Uninsured deposits | 15.1% (stronger) | 30.6% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.5% |
Citizens State Bank and Trust Company has the higher TellerScore (95 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank and Trust Company leads on 4 and The Bendena State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.