Side-by-side · Q2 2026 data
Citizens State Bank vs The State Bank of Pearl City
Metric by metric
| Measure | Citizens State Bank | The State Bank of Pearl City |
|---|---|---|
| TellerScore | 67 | 71 (stronger) |
| Capital cushion | 46 | 63 (stronger) |
| Loan quality | 59 | 77 (stronger) |
| Earnings | 89 (stronger) | 48 |
| Funding & liquidity | 81 | 93 (stronger) |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 34th | 42nd |
| Total assets | $453.3M | $73.4M |
| Deposits / shares | $407.5M | $65.7M |
| Capital ratio | 9.58% | 11.31% (stronger) |
| Problem loans | 1.23% | 0.69% (stronger) |
| Net charge-offs | -0.02% | -0.22% (stronger) |
| Return on assets | 1.73% (stronger) | 0.71% |
| Loans ÷ deposits | 73.5% | 48.4% (stronger) |
| Uninsured deposits | 19.7% (stronger) | 21.6% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Bank of Pearl City has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and The State Bank of Pearl City on 5. 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.