Side-by-side · Q2 2026 data
Citizens State Bank vs Lovelady State Bank
Metric by metric
| Measure | Citizens State Bank | Lovelady State Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 73 |
| Capital cushion | 70 | 78 (stronger) |
| Loan quality | 83 (stronger) | 53 |
| Earnings | 97 (stronger) | 67 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 83 |
| Peer percentile | 84th | 48th |
| Total assets | $190.6M | $52.5M |
| Deposits / shares | $165.7M | $44.9M |
| Capital ratio | 12.04% | 12.84% (stronger) |
| Problem loans | 0.50% (stronger) | 1.42% |
| Net charge-offs | 0.26% | 0.00% (stronger) |
| Return on assets | 1.91% (stronger) | 1.18% |
| Loans ÷ deposits | 72.8% | 51.8% (stronger) |
| Uninsured deposits | 20.3% | 11.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Lovelady State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.