Side-by-side · Q2 2026 data
Citizens State Bank vs Exchange State Bank
Metric by metric
| Measure | Citizens State Bank | Exchange State Bank |
|---|---|---|
| TellerScore | 67 | 83 (stronger) |
| Capital cushion | 46 | 65 (stronger) |
| Loan quality | 59 | 98 (stronger) |
| Earnings | 89 (stronger) | 81 |
| Funding & liquidity | 81 | 87 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 34th | 84th |
| Total assets | $453.3M | $112.7M |
| Deposits / shares | $407.5M | $98.6M |
| Capital ratio | 9.58% | 11.47% (stronger) |
| Problem loans | 1.23% | 0.05% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.73% (stronger) | 1.54% |
| Loans ÷ deposits | 73.5% | 62.2% (stronger) |
| Uninsured deposits | 19.7% (stronger) | 25.0% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Exchange State Bank has the higher TellerScore (83 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Exchange State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.