Side-by-side · Q2 2026 data
Citizens State Bank and Trust Company vs United Bank & Trust
Metric by metric
| Measure | Citizens State Bank and Trust Company | United Bank & Trust |
|---|---|---|
| TellerScore | 95 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 79 (stronger) | 58 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 99th | 75th |
| Total assets | $103.6M | $892.9M |
| Deposits / shares | $79.6M | $714.1M |
| Capital ratio | 18.31% (stronger) | 11.51% |
| Problem loans | 0.21% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.10% (stronger) | 1.53% |
| Loans ÷ deposits | 81.7% (stronger) | 92.9% |
| Uninsured deposits | 15.1% (stronger) | 23.5% |
| Offices | 1 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
Citizens State Bank and Trust Company has the higher TellerScore (95 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank and Trust Company leads on 5 and United Bank & Trust on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.