Side-by-side · Q2 2026 data
Citizens State Bank vs Colonial Savings, F.A.
Metric by metric
| Measure | Citizens State Bank | Colonial Savings, F.A. |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 77 (stronger) | 0 |
| Funding & liquidity | 67 | 93 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 64th | 64th |
| Total assets | $507.0M | $501.8M |
| Deposits / shares | $456.6M | $255.3M |
| Capital ratio | 10.35% | 46.07% (stronger) |
| Problem loans | 0.00% (stronger) | 0.38% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.42% (stronger) | -2.41% |
| Loans ÷ deposits | 68.5% | 44.1% (stronger) |
| Uninsured deposits | 37.4% | 21.9% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Colonial Savings, F.A. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.