Side-by-side · Q2 2026 data
Citizens State Bank vs UBank
Metric by metric
| Measure | Citizens State Bank | UBank |
|---|---|---|
| TellerScore | 83 (stronger) | 69 |
| Capital cushion | 70 (stronger) | 55 |
| Loan quality | 83 | 85 (stronger) |
| Earnings | 97 (stronger) | 77 |
| Funding & liquidity | 81 (stronger) | 49 |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 84th | 53rd |
| Total assets | $190.6M | $1.0B |
| Deposits / shares | $165.7M | $945.7M |
| Capital ratio | 12.04% (stronger) | 10.46% |
| Problem loans | 0.50% | 0.46% (stronger) |
| Net charge-offs | 0.26% | 0.07% (stronger) |
| Return on assets | 1.91% (stronger) | 1.42% |
| Loans ÷ deposits | 72.8% (stronger) | 89.5% |
| Uninsured deposits | 20.3% (stronger) | 34.8% |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.4% |
Citizens State Bank has the higher TellerScore (83 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 5 and UBank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.