Side-by-side · Q2 2026 data
City State Bank vs American State Bank
Metric by metric
| Measure | City State Bank | American State Bank |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 44 | 61 (stronger) |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 94 | 100 (stronger) |
| Funding & liquidity | 54 | 64 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 50th | 84th |
| Total assets | $787.9M | $360.8M |
| Deposits / shares | $693.2M | $282.8M |
| Capital ratio | 9.37% | 11.11% (stronger) |
| Problem loans | 0.27% | 0.04% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.03% |
| Return on assets | 1.84% | 2.18% (stronger) |
| Loans ÷ deposits | 85.5% (stronger) | 87.1% |
| Uninsured deposits | 33.9% | 23.0% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.1% |
American State Bank has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), City State Bank leads on 2 and American State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.