Side-by-side · Q2 2026 data
Citizens State Bank vs Union State Bank
Metric by metric
| Measure | Citizens State Bank | Union State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 31 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 79 (stronger) | 66 |
| Funding & liquidity | 84 (stronger) | 81 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 96th | 43rd |
| Total assets | $137.7M | $136.5M |
| Deposits / shares | $112.0M | $125.3M |
| Capital ratio | 17.93% (stronger) | 8.12% |
| Problem loans | 0.25% | 0.00% (stronger) |
| Net charge-offs | 0.14% | 0.01% (stronger) |
| Return on assets | 1.47% (stronger) | 1.15% |
| Loans ÷ deposits | 68.7% | 68.6% (stronger) |
| Uninsured deposits | 21.5% (stronger) | 25.0% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
Citizens State Bank has the higher TellerScore (91 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and Union State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.