Side-by-side · Q2 2026 data
Citizens State Bank vs Premier Bank
Metric by metric
| Measure | Citizens State Bank | Premier Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 60 |
| Capital cushion | 75 (stronger) | 45 |
| Loan quality | 100 (stronger) | 50 |
| Earnings | 90 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 43 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 91st | 19th |
| Total assets | $194.7M | $826.5M |
| Deposits / shares | $166.1M | $671.7M |
| Capital ratio | 12.45% (stronger) | 9.55% |
| Problem loans | 0.00% (stronger) | 1.51% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.74% | 2.24% (stronger) |
| Loans ÷ deposits | 78.3% (stronger) | 105.1% |
| Uninsured deposits | 20.7% (stronger) | 25.8% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.7% |
Citizens State Bank has the higher TellerScore (87 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 5 and Premier Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.