Side-by-side · Q2 2026 data
Citizens State Bank vs Community Savings Bank
Metric by metric
| Measure | Citizens State Bank | Community Savings Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 65 |
| Capital cushion | 65 (stronger) | 51 |
| Loan quality | 51 | 79 (stronger) |
| Earnings | 67 (stronger) | 61 |
| Funding & liquidity | 86 (stronger) | 60 |
| Problem-loan coverage | 77 | 85 (stronger) |
| Peer percentile | 31st | 29th |
| Total assets | $594.4M | $613.6M |
| Deposits / shares | $537.8M | $501.4M |
| Capital ratio | 11.48% (stronger) | 10.05% |
| Problem loans | 1.46% | 0.63% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.18% |
| Return on assets | 1.17% (stronger) | 1.02% |
| Loans ÷ deposits | 60.3% (stronger) | 83.8% |
| Uninsured deposits | 27.0% (stronger) | 29.2% |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 16.2% |
Citizens State Bank has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 6 and Community Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Manchester, IA