Side-by-side · Q2 2026 data
Citizens State Bank of Roseau vs Border Bank
Metric by metric
| Measure | Citizens State Bank of Roseau | Border Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 57 |
| Capital cushion | 83 (stronger) | 41 |
| Loan quality | 82 (stronger) | 64 |
| Earnings | 82 (stronger) | 72 |
| Funding & liquidity | 90 (stronger) | 45 |
| Problem-loan coverage | 95 (stronger) | 80 |
| Peer percentile | 88th | 16th |
| Total assets | $290.9M | $1.1B |
| Deposits / shares | $248.0M | $922.6M |
| Capital ratio | 13.30% (stronger) | 9.07% |
| Problem loans | 0.53% (stronger) | 1.07% |
| Net charge-offs | 0.17% | 0.11% (stronger) |
| Return on assets | 1.54% (stronger) | 1.31% |
| Loans ÷ deposits | 67.3% (stronger) | 96.3% |
| Uninsured deposits | 17.3% (stronger) | 32.1% |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Citizens State Bank of Roseau has the higher TellerScore (85 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Roseau leads on 6 and Border Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Roseau, MN