Side-by-side · Q2 2026 data
Citizens State Bank vs Bank of Milton
Metric by metric
| Measure | Citizens State Bank | Bank of Milton |
|---|---|---|
| TellerScore | 58 (stronger) | 53 |
| Capital cushion | 38 | 45 (stronger) |
| Loan quality | 67 (stronger) | 22 |
| Earnings | 68 | 82 (stronger) |
| Funding & liquidity | 58 | 73 (stronger) |
| Problem-loan coverage | 80 (stronger) | 62 |
| Peer percentile | 16th | 9th |
| Total assets | $237.6M | $221.4M |
| Deposits / shares | $196.8M | $193.7M |
| Capital ratio | 8.77% | 9.51% (stronger) |
| Problem loans | 0.99% (stronger) | 2.34% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.21% | 1.55% (stronger) |
| Loans ÷ deposits | 100.5% | 87.5% (stronger) |
| Uninsured deposits | 16.9% | 14.9% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.3% |
Citizens State Bank has the higher TellerScore (58 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Bank of Milton on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.