Side-by-side · Q2 2026 data
Citizens State Bank vs Northwestern Bank
Metric by metric
| Measure | Citizens State Bank | Northwestern Bank |
|---|---|---|
| TellerScore | 58 | 80 (stronger) |
| Capital cushion | 38 | 62 (stronger) |
| Loan quality | 67 | 99 (stronger) |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 44 |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 16th | 77th |
| Total assets | $237.6M | $725.6M |
| Deposits / shares | $196.8M | $575.2M |
| Capital ratio | 8.77% | 11.22% (stronger) |
| Problem loans | 0.99% | 0.03% (stronger) |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 1.21% | 2.40% (stronger) |
| Loans ÷ deposits | 100.5% (stronger) | 102.1% |
| Uninsured deposits | 16.9% (stronger) | 27.7% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.6% |
Northwestern Bank has the higher TellerScore (80 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Northwestern Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Chippewa Falls, WI
- Cornell, WI