Side-by-side · Q2 2026 data
Citizens State Bank vs Cedar Rapids State Bank
Metric by metric
| Measure | Citizens State Bank | Cedar Rapids State Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 55 |
| Capital cushion | 51 (stronger) | 46 |
| Loan quality | 93 (stronger) | 42 |
| Earnings | 69 (stronger) | 64 |
| Funding & liquidity | 71 (stronger) | 68 |
| Problem-loan coverage | 94 (stronger) | 72 |
| Peer percentile | 50th | 11th |
| Total assets | $653.0M | $174.9M |
| Deposits / shares | $592.2M | $157.4M |
| Capital ratio | 10.07% (stronger) | 9.56% |
| Problem loans | 0.20% (stronger) | 1.73% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.22% (stronger) | 1.10% |
| Loans ÷ deposits | 84.4% (stronger) | 92.2% |
| Uninsured deposits | 18.9% | 15.2% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
Citizens State Bank has the higher TellerScore (72 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 5 and Cedar Rapids State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Spalding, NE