Side-by-side · Q2 2026 data
Citizens State Bank vs State Bank of Chilton
Metric by metric
| Measure | Citizens State Bank | State Bank of Chilton |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 50 | 77 (stronger) |
| Loan quality | 86 (stronger) | 81 |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 47 | 49 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 31st | 77th |
| Total assets | $488.2M | $516.5M |
| Deposits / shares | $410.5M | $435.9M |
| Capital ratio | 10.02% | 12.75% (stronger) |
| Problem loans | 0.43% (stronger) | 0.58% |
| Net charge-offs | 0.02% | -0.02% (stronger) |
| Return on assets | 1.21% | 2.40% (stronger) |
| Loans ÷ deposits | 96.4% (stronger) | 98.8% |
| Uninsured deposits | 30.1% | 25.7% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.9% |
State Bank of Chilton has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and State Bank of Chilton on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.