Side-by-side · Q2 2026 data
Citizens State Bank vs Peoples Bank
Metric by metric
| Measure | Citizens State Bank | Peoples Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 76 |
| Capital cushion | 70 (stronger) | 46 |
| Loan quality | 83 | 92 (stronger) |
| Earnings | 97 (stronger) | 93 |
| Funding & liquidity | 81 (stronger) | 73 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 84th | 64th |
| Total assets | $190.6M | $185.4M |
| Deposits / shares | $165.7M | $168.4M |
| Capital ratio | 12.04% (stronger) | 9.56% |
| Problem loans | 0.50% | 0.25% (stronger) |
| Net charge-offs | 0.26% | 0.03% (stronger) |
| Return on assets | 1.91% (stronger) | 1.83% |
| Loans ÷ deposits | 72.8% (stronger) | 87.2% |
| Uninsured deposits | 20.3% | 13.6% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and Peoples Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.