Side-by-side · Q2 2026 data
Citizens State Bank vs State Bank of Scotia
Metric by metric
| Measure | Citizens State Bank | State Bank of Scotia |
|---|---|---|
| TellerScore | 72 (stronger) | 59 |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 69 (stronger) | 36 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 67 |
| Peer percentile | 50th | 18th |
| Total assets | $653.0M | $61.0M |
| Deposits / shares | $592.2M | $48.6M |
| Capital ratio | 10.07% | 19.87% (stronger) |
| Problem loans | 0.20% (stronger) | 7.84% |
| Net charge-offs | 0.01% (stronger) | 0.22% |
| Return on assets | 1.22% (stronger) | 0.40% |
| Loans ÷ deposits | 84.4% | 53.7% (stronger) |
| Uninsured deposits | 18.9% | 14.2% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
Citizens State Bank has the higher TellerScore (72 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and State Bank of Scotia on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.