Side-by-side · Q2 2026 data
Citizens State Bank vs Pavillion Bank
Metric by metric
| Measure | Citizens State Bank | Pavillion Bank |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 53 | 70 (stronger) |
| Funding & liquidity | 61 (stronger) | 33 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 76th | 76th |
| Total assets | $80.7M | $78.4M |
| Deposits / shares | $67.0M | $64.2M |
| Capital ratio | 15.98% (stronger) | 15.54% |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.82% | 1.26% (stronger) |
| Loans ÷ deposits | 99.5% | 97.2% (stronger) |
| Uninsured deposits | 14.8% (stronger) | 42.7% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Pavillion Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.