Side-by-side · Q2 2026 data
Citizens State Bank vs Oak Bank
Metric by metric
| Measure | Citizens State Bank | Oak Bank |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 50 | 73 (stronger) |
| Loan quality | 86 | 99 (stronger) |
| Earnings | 68 | 71 (stronger) |
| Funding & liquidity | 47 (stronger) | 40 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 31st | 68th |
| Total assets | $488.2M | $486.3M |
| Deposits / shares | $410.5M | $419.6M |
| Capital ratio | 10.02% | 12.28% (stronger) |
| Problem loans | 0.43% | 0.04% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.21% | 1.28% (stronger) |
| Loans ÷ deposits | 96.4% | 89.3% (stronger) |
| Uninsured deposits | 30.1% (stronger) | 42.7% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.9% |
Oak Bank has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 1 and Oak Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.