Side-by-side · Q2 2026 data
Citizens State Bank vs State Bank of De Kalb
Metric by metric
| Measure | Citizens State Bank | State Bank of De Kalb |
|---|---|---|
| TellerScore | 44 | 82 (stronger) |
| Capital cushion | 82 (stronger) | 72 |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 42 | 100 (stronger) |
| Funding & liquidity | 34 | 54 (stronger) |
| Problem-loan coverage | 63 | 97 (stronger) |
| Peer percentile | 4th | 82nd |
| Total assets | $511.4M | $519.9M |
| Deposits / shares | $449.2M | $455.1M |
| Capital ratio | 13.18% (stronger) | 12.17% |
| Problem loans | 3.10% | 0.24% (stronger) |
| Net charge-offs | 0.11% | 0.02% (stronger) |
| Return on assets | 0.55% | 2.29% (stronger) |
| Loans ÷ deposits | 82.0% (stronger) | 83.5% |
| Uninsured deposits | 54.5% | 35.8% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of De Kalb has the higher TellerScore (82 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and State Bank of De Kalb on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.