Side-by-side · Q2 2026 data
Citizens State Bank of La Crosse vs ESB Bank
Metric by metric
| Measure | Citizens State Bank of La Crosse | ESB Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 84 (stronger) | 42 |
| Loan quality | 65 | 71 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 39 | 70 (stronger) |
| Problem-loan coverage | 86 (stronger) | 82 |
| Peer percentile | 64th | 29th |
| Total assets | $648.5M | $208.9M |
| Deposits / shares | $513.4M | $179.1M |
| Capital ratio | 13.36% (stronger) | 9.20% |
| Problem loans | 1.06% | 0.87% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.94% (stronger) | 1.54% |
| Loans ÷ deposits | 105.0% | 90.7% (stronger) |
| Uninsured deposits | 29.4% | 13.8% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
Citizens State Bank of La Crosse has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of La Crosse leads on 3 and ESB Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.