Side-by-side · Q2 2026 data
Citizens State Bank vs South Ottumwa Savings Bank
Metric by metric
| Measure | Citizens State Bank | South Ottumwa Savings Bank |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 65 | 80 (stronger) |
| Loan quality | 51 | 72 (stronger) |
| Earnings | 67 | 76 (stronger) |
| Funding & liquidity | 86 (stronger) | 70 |
| Problem-loan coverage | 77 | 93 (stronger) |
| Peer percentile | 31st | 68th |
| Total assets | $594.4M | $565.4M |
| Deposits / shares | $537.8M | $473.9M |
| Capital ratio | 11.48% | 13.00% (stronger) |
| Problem loans | 1.46% | 0.83% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 1.17% | 1.40% (stronger) |
| Loans ÷ deposits | 60.3% (stronger) | 67.7% |
| Uninsured deposits | 27.0% (stronger) | 35.1% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
South Ottumwa Savings Bank has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and South Ottumwa Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.