Side-by-side · Q2 2026 data
Citizens State Bank vs Community Bank
Metric by metric
| Measure | Citizens State Bank | Community Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 79 (stronger) | 71 |
| Funding & liquidity | 84 (stronger) | 77 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 96th | 64th |
| Total assets | $137.7M | $138.3M |
| Deposits / shares | $112.0M | $122.7M |
| Capital ratio | 17.93% (stronger) | 10.99% |
| Problem loans | 0.25% (stronger) | 0.28% |
| Net charge-offs | 0.14% (stronger) | 0.72% |
| Return on assets | 1.47% (stronger) | 1.27% |
| Loans ÷ deposits | 68.7% (stronger) | 77.8% |
| Uninsured deposits | 21.5% | 19.8% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.9% |
Citizens State Bank has the higher TellerScore (91 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 6 and Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.