Side-by-side · Q2 2026 data
Citizens State Bank vs Highpoint Community Bank
Metric by metric
| Measure | Citizens State Bank | Highpoint Community Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 36 (stronger) | 35 |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 93 (stronger) | 52 |
| Funding & liquidity | 49 | 69 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 43rd | 31st |
| Total assets | $581.0M | $592.4M |
| Deposits / shares | $530.5M | $540.0M |
| Capital ratio | 8.58% (stronger) | 8.45% |
| Problem loans | 0.18% | 0.04% (stronger) |
| Net charge-offs | 0.27% | -0.00% (stronger) |
| Return on assets | 1.83% (stronger) | 0.80% |
| Loans ÷ deposits | 84.9% | 68.1% (stronger) |
| Uninsured deposits | 38.5% | 36.3% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.0% |
Citizens State Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Highpoint Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.