Side-by-side · Q2 2026 data
Citizens State Bank vs First State Bank
Metric by metric
| Measure | Citizens State Bank | First State Bank |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 53 | 73 (stronger) |
| Funding & liquidity | 61 (stronger) | 47 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 76th | 86th |
| Total assets | $80.7M | $150.8M |
| Deposits / shares | $67.0M | $122.9M |
| Capital ratio | 15.98% (stronger) | 15.90% |
| Problem loans | 0.01% (stronger) | 0.23% |
| Net charge-offs | 0.00% (stronger) | 0.19% |
| Return on assets | 0.82% | 1.32% (stronger) |
| Loans ÷ deposits | 99.5% | 86.0% (stronger) |
| Uninsured deposits | 14.8% (stronger) | 39.8% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.