Side-by-side · Q2 2026 data
Citizens State Bank vs Sundown State Bank
Metric by metric
| Measure | Citizens State Bank | Sundown State Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 100 (stronger) | 72 |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 61 | 80 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 76th | 75th |
| Total assets | $80.7M | $307.7M |
| Deposits / shares | $67.0M | $269.6M |
| Capital ratio | 15.98% (stronger) | 11.63% |
| Problem loans | 0.01% (stronger) | 0.84% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.82% | 4.15% (stronger) |
| Loans ÷ deposits | 99.5% | 70.4% (stronger) |
| Uninsured deposits | 14.8% (stronger) | 23.4% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 5 and Sundown State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.