Side-by-side · Q2 2026 data
Citizens State Bank vs Commercial Bank
Metric by metric
| Measure | Citizens State Bank | Commercial Bank |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 36 | 59 (stronger) |
| Loan quality | 94 (stronger) | 87 |
| Earnings | 93 (stronger) | 71 |
| Funding & liquidity | 49 | 76 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 43rd | 61st |
| Total assets | $581.0M | $552.7M |
| Deposits / shares | $530.5M | $475.2M |
| Capital ratio | 8.58% | 10.89% (stronger) |
| Problem loans | 0.18% (stronger) | 0.39% |
| Net charge-offs | 0.27% | 0.01% (stronger) |
| Return on assets | 1.83% (stronger) | 1.28% |
| Loans ÷ deposits | 84.9% | 76.5% (stronger) |
| Uninsured deposits | 38.5% | 22.0% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Commercial Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Commercial Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.