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 | 44 | 71 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 0 | 36 (stronger) |
| Earnings | 42 | 62 (stronger) |
| Funding & liquidity | 34 | 73 (stronger) |
| Problem-loan coverage | 63 | 91 (stronger) |
| Peer percentile | 4th | 47th |
| Total assets | $511.4M | $689.3M |
| Deposits / shares | $449.2M | $595.5M |
| Capital ratio | 13.18% | 15.52% (stronger) |
| Problem loans | 3.10% | 1.93% (stronger) |
| Net charge-offs | 0.11% | 0.04% (stronger) |
| Return on assets | 0.55% | 1.05% (stronger) |
| Loans ÷ deposits | 82.0% | 35.9% (stronger) |
| Uninsured deposits | 54.5% | 40.0% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.9% |
First State Bank of Livingston has the higher TellerScore (71 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 0 and First State Bank of Livingston on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Woodville, TX