Side-by-side · Q2 2026 data
Citizens State Bank of La Crosse vs First National Community Bank
Metric by metric
| Measure | Citizens State Bank of La Crosse | First National Community Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 84 (stronger) | 44 |
| Loan quality | 65 | 95 (stronger) |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 39 | 64 (stronger) |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 64th | 47th |
| Total assets | $648.5M | $345.3M |
| Deposits / shares | $513.4M | $311.8M |
| Capital ratio | 13.36% (stronger) | 9.38% |
| Problem loans | 1.06% | 0.16% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 2.94% (stronger) | 1.35% |
| Loans ÷ deposits | 105.0% | 75.5% (stronger) |
| Uninsured deposits | 29.4% (stronger) | 33.8% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 1.2% |
Citizens State Bank of La Crosse has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of La Crosse leads on 5 and First National Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.