Side-by-side · Q2 2026 data
Citizens State Bank of La Crosse vs Union State Bank
Metric by metric
| Measure | Citizens State Bank of La Crosse | Union State Bank |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 84 (stronger) | 72 |
| Loan quality | 65 | 95 (stronger) |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 39 | 81 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 64th | 82nd |
| Total assets | $648.5M | $117.6M |
| Deposits / shares | $513.4M | $97.4M |
| Capital ratio | 13.36% (stronger) | 12.15% |
| Problem loans | 1.06% | 0.14% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.94% (stronger) | 1.34% |
| Loans ÷ deposits | 105.0% | 79.6% (stronger) |
| Uninsured deposits | 29.4% | 14.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 4.1% |
Union State Bank has the higher TellerScore (82 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 Union State Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.