Side-by-side · Q2 2026 data
Citizens State Bank of Lankin vs United Valley Bank
Metric by metric
| Measure | Citizens State Bank of Lankin | United Valley Bank |
|---|---|---|
| TellerScore | 57 | 72 (stronger) |
| Capital cushion | 51 | 55 (stronger) |
| Loan quality | 47 | 96 (stronger) |
| Earnings | 67 (stronger) | 64 |
| Funding & liquidity | 60 | 62 (stronger) |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 16th | 50th |
| Total assets | $72.1M | $751.6M |
| Deposits / shares | $61.4M | $628.5M |
| Capital ratio | 10.13% | 10.50% (stronger) |
| Problem loans | 1.58% | 0.13% (stronger) |
| Net charge-offs | 0.25% | 0.00% (stronger) |
| Return on assets | 1.17% (stronger) | 1.10% |
| Loans ÷ deposits | 85.6% (stronger) | 86.5% |
| Uninsured deposits | 28.1% | 25.2% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Valley Bank has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Lankin leads on 2 and United Valley 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.