Side-by-side · Q2 2026 data
Citizens State Bank of La Crosse vs Northwestern Bank
Metric by metric
| Measure | Citizens State Bank of La Crosse | Northwestern Bank |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 84 (stronger) | 62 |
| Loan quality | 65 | 99 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 39 | 44 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 64th | 77th |
| Total assets | $648.5M | $725.6M |
| Deposits / shares | $513.4M | $575.2M |
| Capital ratio | 13.36% (stronger) | 11.22% |
| Problem loans | 1.06% | 0.03% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 2.94% (stronger) | 2.40% |
| Loans ÷ deposits | 105.0% | 102.1% (stronger) |
| Uninsured deposits | 29.4% | 27.7% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 10.6% |
Northwestern Bank has the higher TellerScore (80 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 Northwestern Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Altoona, WI