Side-by-side · Q2 2026 data
Citizens State Bank vs Vermillion State Bank
Metric by metric
| Measure | Citizens State Bank | Vermillion State Bank |
|---|---|---|
| TellerScore | 66 | 90 (stronger) |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 86 | 92 (stronger) |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 47 | 83 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 31st | 95th |
| Total assets | $488.2M | $931.4M |
| Deposits / shares | $410.5M | $806.6M |
| Capital ratio | 10.02% | 13.40% (stronger) |
| Problem loans | 0.43% | 0.24% (stronger) |
| Net charge-offs | 0.02% | -0.12% (stronger) |
| Return on assets | 1.21% | 2.56% (stronger) |
| Loans ÷ deposits | 96.4% | 51.7% (stronger) |
| Uninsured deposits | 30.1% (stronger) | 30.2% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Vermillion State Bank has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 1 and Vermillion State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.