Side-by-side · Q2 2026 data
Citizens State Bank vs Dallas Capital Bank, National Association
Metric by metric
| Measure | Citizens State Bank | Dallas Capital Bank, National Association |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 79 (stronger) | 63 |
| Loan quality | 34 | 100 (stronger) |
| Earnings | 86 (stronger) | 56 |
| Funding & liquidity | 60 (stronger) | 16 |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 40th | 49th |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $1.1B | $938.9M |
| Capital ratio | 12.95% (stronger) | 11.35% |
| Problem loans | 1.99% | 0.00% (stronger) |
| Net charge-offs | 0.29% | -0.00% (stronger) |
| Return on assets | 1.65% (stronger) | 0.89% |
| Loans ÷ deposits | 71.6% (stronger) | 99.0% |
| Uninsured deposits | 40.8% (stronger) | 55.7% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Dallas Capital Bank, National Association has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and Dallas Capital Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.