Side-by-side · Q2 2026 data
Citizens State Bank of Loyal vs Black River Country Bank
Metric by metric
| Measure | Citizens State Bank of Loyal | Black River Country Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 69 |
| Capital cushion | 65 (stronger) | 39 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 67 | 75 (stronger) |
| Funding & liquidity | 81 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 77th | 40th |
| Total assets | $311.5M | $101.8M |
| Deposits / shares | $250.3M | $85.2M |
| Capital ratio | 11.48% (stronger) | 8.94% |
| Problem loans | 0.00% (stronger) | 0.29% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.16% | 1.38% (stronger) |
| Loans ÷ deposits | 71.9% (stronger) | 92.2% |
| Uninsured deposits | 21.3% | 17.4% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | — |
Citizens State Bank of Loyal has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Loyal leads on 4 and Black River Country Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.