Side-by-side · Q2 2026 data
Citizens State Bank vs Farmers State Bank
Metric by metric
| Measure | Citizens State Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 79 |
| Capital cushion | 70 (stronger) | 44 |
| Loan quality | 83 | 99 (stronger) |
| Earnings | 97 (stronger) | 82 |
| Funding & liquidity | 81 | 98 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 84th | 75th |
| Total assets | $190.6M | $196.0M |
| Deposits / shares | $165.7M | $176.8M |
| Capital ratio | 12.04% (stronger) | 9.39% |
| Problem loans | 0.50% | 0.04% (stronger) |
| Net charge-offs | 0.26% | 0.01% (stronger) |
| Return on assets | 1.91% (stronger) | 1.55% |
| Loans ÷ deposits | 72.8% | 52.0% (stronger) |
| Uninsured deposits | 20.3% | 16.9% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.