Side-by-side · Q2 2026 data
Citizens State Bank vs Washington County Bank
Metric by metric
| Measure | Citizens State Bank | Washington County Bank |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 51 | 78 (stronger) |
| Loan quality | 93 (stronger) | 89 |
| Earnings | 69 | 92 (stronger) |
| Funding & liquidity | 71 (stronger) | 63 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 50th | 84th |
| Total assets | $653.0M | $662.3M |
| Deposits / shares | $592.2M | $558.8M |
| Capital ratio | 10.07% | 12.79% (stronger) |
| Problem loans | 0.20% (stronger) | 0.34% |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 1.22% | 1.80% (stronger) |
| Loans ÷ deposits | 84.4% (stronger) | 88.7% |
| Uninsured deposits | 18.9% (stronger) | 22.9% |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | 15.9% |
Washington County Bank has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 4 and Washington County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.