Side-by-side · Q2 2026 data
Citizens State Bank vs Woodford State Bank
Metric by metric
| Measure | Citizens State Bank | Woodford State Bank |
|---|---|---|
| TellerScore | 66 | 66 |
| Capital cushion | 50 (stronger) | 31 |
| Loan quality | 86 | 88 (stronger) |
| Earnings | 68 | 79 (stronger) |
| Funding & liquidity | 47 | 64 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 31st | 31st |
| Total assets | $488.2M | $523.4M |
| Deposits / shares | $410.5M | $406.1M |
| Capital ratio | 10.02% (stronger) | 8.11% |
| Problem loans | 0.43% | 0.36% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.12% |
| Return on assets | 1.21% | 1.47% (stronger) |
| Loans ÷ deposits | 96.4% (stronger) | 96.7% |
| Uninsured deposits | 30.1% | 12.1% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Woodford State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.