Side-by-side · Q2 2026 data
Citizens State Bank vs Texas Financial Bank
Metric by metric
| Measure | Citizens State Bank | Texas Financial Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 61 |
| Capital cushion | 57 | 67 (stronger) |
| Loan quality | 85 (stronger) | 67 |
| Earnings | 100 (stronger) | 33 |
| Funding & liquidity | 50 | 57 (stronger) |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 61st | 20th |
| Total assets | $270.1M | $264.6M |
| Deposits / shares | $239.6M | $223.6M |
| Capital ratio | 10.74% | 11.72% (stronger) |
| Problem loans | 0.44% (stronger) | 1.00% |
| Net charge-offs | 0.38% | 0.00% (stronger) |
| Return on assets | 2.55% (stronger) | 0.33% |
| Loans ÷ deposits | 87.4% | 65.7% (stronger) |
| Uninsured deposits | 35.6% (stronger) | 48.6% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (75 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and Texas Financial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.