Side-by-side · Q2 2026 data
Citizens State Bank vs Victory Bank
Metric by metric
| Measure | Citizens State Bank | Victory Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 53 | 61 (stronger) |
| Funding & liquidity | 61 | 62 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 76th | 68th |
| Total assets | $80.7M | $284.8M |
| Deposits / shares | $67.0M | $250.0M |
| Capital ratio | 15.98% (stronger) | 12.11% |
| Problem loans | 0.01% (stronger) | 0.05% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.82% | 1.02% (stronger) |
| Loans ÷ deposits | 99.5% | 62.9% (stronger) |
| Uninsured deposits | 14.8% (stronger) | 47.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and Victory Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.