Side-by-side · Q2 2026 data
Citizens State Bank vs Lone Star Bank
Metric by metric
| Measure | Citizens State Bank | Lone Star Bank |
|---|---|---|
| TellerScore | 76 | 77 (stronger) |
| Capital cushion | 53 | 77 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 77 (stronger) | 67 |
| Funding & liquidity | 67 (stronger) | 53 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 64th | 68th |
| Total assets | $507.0M | $202.3M |
| Deposits / shares | $456.6M | $176.0M |
| Capital ratio | 10.35% | 12.65% (stronger) |
| Problem loans | 0.00% (stronger) | 0.29% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.42% (stronger) | 1.19% |
| Loans ÷ deposits | 68.5% (stronger) | 98.9% |
| Uninsured deposits | 37.4% | 22.4% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lone Star 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 Lone Star Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sealy, TX