Side-by-side · Q2 2026 data
Citizens State Bank of Loyal vs Laona State Bank
Metric by metric
| Measure | Citizens State Bank of Loyal | Laona State Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 56 |
| Capital cushion | 65 (stronger) | 46 |
| Loan quality | 100 (stronger) | 55 |
| Earnings | 67 (stronger) | 33 |
| Funding & liquidity | 81 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 77th | 13th |
| Total assets | $311.5M | $296.6M |
| Deposits / shares | $250.3M | $271.5M |
| Capital ratio | 11.48% (stronger) | 9.63% |
| Problem loans | 0.00% (stronger) | 1.34% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.16% (stronger) | 0.33% |
| Loans ÷ deposits | 71.9% | 58.6% (stronger) |
| Uninsured deposits | 21.3% (stronger) | 26.4% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | 9.7% |
Citizens State Bank of Loyal has the higher TellerScore (80 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Loyal leads on 6 and Laona State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.