Side-by-side · Q2 2026 data
Citizens State Bank vs Eureka Savings Bank
Metric by metric
| Measure | Citizens State Bank | Eureka Savings Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 61 |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 59 (stronger) | 0 |
| Earnings | 89 (stronger) | 56 |
| Funding & liquidity | 81 (stronger) | 77 |
| Problem-loan coverage | 83 (stronger) | 82 |
| Peer percentile | 34th | 20th |
| Total assets | $453.3M | $435.8M |
| Deposits / shares | $407.5M | $319.5M |
| Capital ratio | 9.58% | 21.56% (stronger) |
| Problem loans | 1.23% (stronger) | 3.05% |
| Net charge-offs | -0.02% (stronger) | 0.02% |
| Return on assets | 1.73% (stronger) | 0.89% |
| Loans ÷ deposits | 73.5% (stronger) | 83.7% |
| Uninsured deposits | 19.7% | 10.9% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Citizens State Bank has the higher TellerScore (67 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 5 and Eureka Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.