Side-by-side · Q2 2026 data
Citizens State Bank of Loyal vs Bay Bank
Metric by metric
| Measure | Citizens State Bank of Loyal | Bay Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 59 |
| Capital cushion | 65 (stronger) | 62 |
| Loan quality | 100 (stronger) | 32 |
| Earnings | 67 (stronger) | 65 |
| Funding & liquidity | 81 (stronger) | 76 |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 77th | 17th |
| Total assets | $311.5M | $315.7M |
| Deposits / shares | $250.3M | $264.9M |
| Capital ratio | 11.48% (stronger) | 11.19% |
| Problem loans | 0.00% (stronger) | 2.03% |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 1.16% (stronger) | 1.12% |
| Loans ÷ deposits | 71.9% | 49.6% (stronger) |
| Uninsured deposits | 21.3% (stronger) | 37.0% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | 34.4% |
Citizens State Bank of Loyal has the higher TellerScore (80 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Loyal leads on 6 and Bay Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.