Side-by-side · Q2 2026 data
Citizens State Bank vs First Central State Bank
Metric by metric
| Measure | Citizens State Bank | First Central State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 92 | 93 (stronger) |
| Earnings | 79 (stronger) | 77 |
| Funding & liquidity | 84 (stronger) | 65 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 96th | 84th |
| Total assets | $137.7M | $772.4M |
| Deposits / shares | $112.0M | $595.4M |
| Capital ratio | 17.93% (stronger) | 13.39% |
| Problem loans | 0.25% | 0.21% (stronger) |
| Net charge-offs | 0.14% | 0.01% (stronger) |
| Return on assets | 1.47% (stronger) | 1.43% |
| Loans ÷ deposits | 68.7% (stronger) | 82.4% |
| Uninsured deposits | 21.5% (stronger) | 26.7% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Citizens State Bank has the higher TellerScore (91 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 5 and First Central State Bank on 2. 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.