Side-by-side · Q2 2026 data
Citizens State Bank vs Thumb Bank and Trust
Metric by metric
| Measure | Citizens State Bank | Thumb Bank and Trust |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 36 | 44 (stronger) |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 93 (stronger) | 86 |
| Funding & liquidity | 49 | 78 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 43rd | 68th |
| Total assets | $581.0M | $673.3M |
| Deposits / shares | $530.5M | $595.8M |
| Capital ratio | 8.58% | 9.44% (stronger) |
| Problem loans | 0.18% | 0.03% (stronger) |
| Net charge-offs | 0.27% | 0.00% (stronger) |
| Return on assets | 1.83% (stronger) | 1.65% |
| Loans ÷ deposits | 84.9% | 69.5% (stronger) |
| Uninsured deposits | 38.5% | 26.4% (stronger) |
| Offices | 3 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.3% |
Thumb Bank and Trust has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 1 and Thumb Bank and Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.