Side-by-side · Q2 2026 data
Citizens State Bank of Milford vs Fowler State Bank
Metric by metric
| Measure | Citizens State Bank of Milford | Fowler State Bank |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 75 | 80 (stronger) |
| Earnings | 39 | 68 (stronger) |
| Funding & liquidity | 93 (stronger) | 48 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 20th | 77th |
| Total assets | $56.9M | $190.3M |
| Deposits / shares | $52.0M | $149.3M |
| Capital ratio | 9.11% | 15.51% (stronger) |
| Problem loans | 0.76% | 0.61% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.65% |
| Return on assets | 0.47% | 1.19% (stronger) |
| Loans ÷ deposits | 42.7% (stronger) | 85.0% |
| Uninsured deposits | 21.7% (stronger) | 39.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fowler State Bank has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Milford leads on 3 and Fowler State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.