Side-by-side · Q2 2026 data
Citizens State Bank vs First National Bank in Olney
Metric by metric
| Measure | Citizens State Bank | First National Bank in Olney |
|---|---|---|
| TellerScore | 67 (stronger) | 64 |
| Capital cushion | 46 | 58 (stronger) |
| Loan quality | 59 (stronger) | 47 |
| Earnings | 89 (stronger) | 68 |
| Funding & liquidity | 81 | 87 (stronger) |
| Problem-loan coverage | 83 | 86 (stronger) |
| Peer percentile | 34th | 26th |
| Total assets | $453.3M | $469.3M |
| Deposits / shares | $407.5M | $415.4M |
| Capital ratio | 9.58% | 10.83% (stronger) |
| Problem loans | 1.23% (stronger) | 1.60% |
| Net charge-offs | -0.02% (stronger) | 0.08% |
| Return on assets | 1.73% (stronger) | 1.20% |
| Loans ÷ deposits | 73.5% | 54.9% (stronger) |
| Uninsured deposits | 19.7% (stronger) | 26.8% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 5 and First National Bank in Olney on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.