Side-by-side · Q2 2026 data
Citizens State Bank vs Independence State Bank
Metric by metric
| Measure | Citizens State Bank | Independence State Bank |
|---|---|---|
| TellerScore | 58 | 75 (stronger) |
| Capital cushion | 38 | 54 (stronger) |
| Loan quality | 67 | 100 (stronger) |
| Earnings | 68 | 68 |
| Funding & liquidity | 58 | 71 (stronger) |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 16th | 54th |
| Total assets | $237.6M | $84.2M |
| Deposits / shares | $196.8M | $72.2M |
| Capital ratio | 8.77% | 10.38% (stronger) |
| Problem loans | 0.99% | 0.00% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.21% (stronger) | 1.20% |
| Loans ÷ deposits | 100.5% | 89.7% (stronger) |
| Uninsured deposits | 16.9% | 14.9% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Independence State Bank has the higher TellerScore (75 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 1 and Independence State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.