Side-by-side · Q2 2026 data
Citizens State Bank of Roseau vs Liberty Bank Minnesota
Metric by metric
| Measure | Citizens State Bank of Roseau | Liberty Bank Minnesota |
|---|---|---|
| TellerScore | 85 | 86 (stronger) |
| Capital cushion | 83 (stronger) | 79 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 82 (stronger) | 62 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 88th | 90th |
| Total assets | $290.9M | $290.2M |
| Deposits / shares | $248.0M | $262.9M |
| Capital ratio | 13.30% (stronger) | 12.90% |
| Problem loans | 0.53% | 0.00% (stronger) |
| Net charge-offs | 0.17% | 0.02% (stronger) |
| Return on assets | 1.54% (stronger) | 1.04% |
| Loans ÷ deposits | 67.3% | 51.7% (stronger) |
| Uninsured deposits | 17.3% | 9.1% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Liberty Bank Minnesota has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank of Roseau leads on 2 and Liberty Bank Minnesota on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.