Side-by-side · Q2 2026 data
Citizens State Bank vs First State Bank of Livingston
Metric by metric
| Measure | Citizens State Bank | First State Bank of Livingston |
|---|---|---|
| TellerScore | 83 (stronger) | 71 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 83 (stronger) | 36 |
| Earnings | 97 (stronger) | 62 |
| Funding & liquidity | 81 (stronger) | 73 |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 84th | 47th |
| Total assets | $190.6M | $689.3M |
| Deposits / shares | $165.7M | $595.5M |
| Capital ratio | 12.04% | 15.52% (stronger) |
| Problem loans | 0.50% (stronger) | 1.93% |
| Net charge-offs | 0.26% | 0.04% (stronger) |
| Return on assets | 1.91% (stronger) | 1.05% |
| Loans ÷ deposits | 72.8% | 35.9% (stronger) |
| Uninsured deposits | 20.3% (stronger) | 40.0% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.9% |
Citizens State Bank has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and First State Bank of Livingston on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.