Side-by-side · Q2 2026 data
Citizens State Bank of La Crosse vs Cumberland Federal Bank, FSB
Metric by metric
| Measure | Citizens State Bank of La Crosse | Cumberland Federal Bank, FSB |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 84 (stronger) | 51 |
| Loan quality | 65 | 94 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 39 | 99 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 64th | 72nd |
| Total assets | $648.5M | $341.6M |
| Deposits / shares | $513.4M | $287.5M |
| Capital ratio | 13.36% (stronger) | 10.06% |
| Problem loans | 1.06% | 0.19% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.94% (stronger) | 1.39% |
| Loans ÷ deposits | 105.0% | 60.9% (stronger) |
| Uninsured deposits | 29.4% | 14.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
Cumberland Federal Bank, FSB has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of La Crosse leads on 2 and Cumberland Federal Bank, FSB on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.