Side-by-side · Q2 2026 data
Citizens State Bank vs Citizens National Bank
Metric by metric
| Measure | Citizens State Bank | Citizens National Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 80 |
| Capital cushion | 70 | 78 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 97 (stronger) | 48 |
| Funding & liquidity | 81 (stronger) | 78 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 84th | 77th |
| Total assets | $190.6M | $108.8M |
| Deposits / shares | $165.7M | $95.2M |
| Capital ratio | 12.04% | 12.82% (stronger) |
| Problem loans | 0.50% | 0.00% (stronger) |
| Net charge-offs | 0.26% | 0.00% (stronger) |
| Return on assets | 1.91% (stronger) | 0.69% |
| Loans ÷ deposits | 72.8% | 38.9% (stronger) |
| Uninsured deposits | 20.3% (stronger) | 35.2% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Citizens National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.