Side-by-side · Q2 2026 data
Citizens State Bank vs Capital Bank
Metric by metric
| Measure | Citizens State Bank | Capital Bank |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 53 | 58 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 77 | 88 (stronger) |
| Funding & liquidity | 67 (stronger) | 47 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 64th | 68th |
| Total assets | $507.0M | $689.7M |
| Deposits / shares | $456.6M | $608.7M |
| Capital ratio | 10.35% | 10.81% (stronger) |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 1.42% | 1.71% (stronger) |
| Loans ÷ deposits | 68.5% (stronger) | 96.1% |
| Uninsured deposits | 37.4% | 31.0% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
Capital Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Capital Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.