Side-by-side · Q2 2026 data
Citizens State Bank vs Great North Bank
Metric by metric
| Measure | Citizens State Bank | Great North Bank |
|---|---|---|
| TellerScore | 58 (stronger) | 44 |
| Capital cushion | 38 | 38 |
| Loan quality | 67 (stronger) | 53 |
| Earnings | 68 (stronger) | 0 |
| Funding & liquidity | 58 | 72 (stronger) |
| Problem-loan coverage | 80 | 88 (stronger) |
| Peer percentile | 16th | 4th |
| Total assets | $237.6M | $233.4M |
| Deposits / shares | $196.8M | $174.4M |
| Capital ratio | 8.77% | 8.84% (stronger) |
| Problem loans | 0.99% (stronger) | 1.40% |
| Net charge-offs | -0.00% (stronger) | 1.11% |
| Return on assets | 1.21% (stronger) | -0.86% |
| Loans ÷ deposits | 100.5% | 88.2% (stronger) |
| Uninsured deposits | 16.9% | 8.2% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (58 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and Great North Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.