Side-by-side · Q2 2026 data
Citizens State Bank vs Eaton Community Bank
Metric by metric
| Measure | Citizens State Bank | Eaton Community Bank |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 36 | 79 (stronger) |
| Loan quality | 94 (stronger) | 59 |
| Earnings | 93 (stronger) | 53 |
| Funding & liquidity | 49 | 87 (stronger) |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 43rd | 47th |
| Total assets | $581.0M | $543.5M |
| Deposits / shares | $530.5M | $459.0M |
| Capital ratio | 8.58% | 12.89% (stronger) |
| Problem loans | 0.18% (stronger) | 1.23% |
| Net charge-offs | 0.27% (stronger) | 1.05% |
| Return on assets | 1.83% (stronger) | 0.81% |
| Loans ÷ deposits | 84.9% | 73.6% (stronger) |
| Uninsured deposits | 38.5% | 13.2% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.6% |
Eaton Community Bank has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Eaton Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.