Side-by-side · Q2 2026 data
Citizens State Bank vs Sundown State Bank
Metric by metric
| Measure | Citizens State Bank | Sundown State Bank |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 57 | 66 (stronger) |
| Loan quality | 85 (stronger) | 72 |
| Earnings | 100 | 100 |
| Funding & liquidity | 50 | 80 (stronger) |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 61st | 75th |
| Total assets | $270.1M | $307.7M |
| Deposits / shares | $239.6M | $269.6M |
| Capital ratio | 10.74% | 11.63% (stronger) |
| Problem loans | 0.44% (stronger) | 0.84% |
| Net charge-offs | 0.38% | 0.09% (stronger) |
| Return on assets | 2.55% | 4.15% (stronger) |
| Loans ÷ deposits | 87.4% | 70.4% (stronger) |
| Uninsured deposits | 35.6% | 23.4% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sundown State Bank has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 1 and Sundown State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.