Side-by-side · Q2 2026 data
Citizens State Bank of La Crosse vs The Stephenson National Bank and Trust
Metric by metric
| Measure | Citizens State Bank of La Crosse | The Stephenson National Bank and Trust |
|---|---|---|
| TellerScore | 76 (stronger) | 66 |
| Capital cushion | 84 (stronger) | 51 |
| Loan quality | 65 (stronger) | 62 |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 39 | 77 (stronger) |
| Problem-loan coverage | 86 (stronger) | 81 |
| Peer percentile | 64th | 31st |
| Total assets | $648.5M | $676.8M |
| Deposits / shares | $513.4M | $588.0M |
| Capital ratio | 13.36% (stronger) | 10.07% |
| Problem loans | 1.06% (stronger) | 1.15% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.94% (stronger) | 1.41% |
| Loans ÷ deposits | 105.0% | 83.7% (stronger) |
| Uninsured deposits | 29.4% | 14.9% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 9.2% |
Citizens State Bank of La Crosse has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of La Crosse leads on 5 and The Stephenson National Bank and Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.