Side-by-side · Q2 2026 data
Citizens State Bank of Loyal vs Forward Bank
Metric by metric
| Measure | Citizens State Bank of Loyal | Forward Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 64 |
| Capital cushion | 65 (stronger) | 42 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 67 (stronger) | 56 |
| Funding & liquidity | 81 (stronger) | 51 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 77th | 33rd |
| Total assets | $311.5M | $1.3B |
| Deposits / shares | $250.3M | $1.0B |
| Capital ratio | 11.48% (stronger) | 9.18% |
| Problem loans | 0.00% (stronger) | 0.28% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.16% (stronger) | 0.90% |
| Loans ÷ deposits | 71.9% (stronger) | 90.5% |
| Uninsured deposits | 21.3% (stronger) | 32.2% |
| Offices | 5 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | 4.2% |
Citizens State Bank of Loyal has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Loyal leads on 7 and Forward Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.