Side-by-side · Q2 2026 data
Citizens State Bank of Milford vs First Community Bank, Xenia-Flora
Metric by metric
| Measure | Citizens State Bank of Milford | First Community Bank, Xenia-Flora |
|---|---|---|
| TellerScore | 62 | 86 (stronger) |
| Capital cushion | 41 | 70 (stronger) |
| Loan quality | 75 | 93 (stronger) |
| Earnings | 39 | 90 (stronger) |
| Funding & liquidity | 93 | 96 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 20th | 81st |
| Total assets | $56.9M | $55.5M |
| Deposits / shares | $52.0M | $47.3M |
| Capital ratio | 9.11% | 12.03% (stronger) |
| Problem loans | 0.76% | 0.22% (stronger) |
| Net charge-offs | -0.02% | -0.04% (stronger) |
| Return on assets | 0.47% | 1.76% (stronger) |
| Loans ÷ deposits | 42.7% (stronger) | 64.6% |
| Uninsured deposits | 21.7% | 11.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank, Xenia-Flora has the higher TellerScore (86 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Milford leads on 1 and First Community Bank, Xenia-Flora on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.