Side-by-side · Q2 2026 data
Citizens State Bank vs Prosperity Bank
Metric by metric
| Measure | Citizens State Bank | Prosperity Bank |
|---|---|---|
| TellerScore | 44 | 71 (stronger) |
| Capital cushion | 82 (stronger) | 56 |
| Loan quality | 0 | 84 (stronger) |
| Earnings | 42 | 75 (stronger) |
| Funding & liquidity | 34 | 54 (stronger) |
| Problem-loan coverage | 63 | 97 (stronger) |
| Peer percentile | 4th | 76th |
| Total assets | $511.4M | $43.9B |
| Deposits / shares | $449.2M | $32.9B |
| Capital ratio | 13.18% (stronger) | 10.64% |
| Problem loans | 3.10% | 0.48% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.35% |
| Return on assets | 0.55% | 1.37% (stronger) |
| Loans ÷ deposits | 82.0% | 74.8% (stronger) |
| Uninsured deposits | 54.5% | 42.7% (stronger) |
| Offices | 5 | 373 |
| CFPB complaints (3 yrs) | — | 117 |
| Complaints per $1B deposits | — | 3.6 |
| Mortgage denial rate (HMDA) | — | 31.5% |
Prosperity Bank 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 2 and Prosperity Bank on 5. 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.
Where both have branches
- Austin, TX
- Woodville, TX