Side-by-side · Q2 2026 data
City State Bank vs CUSB Bank
Metric by metric
| Measure | City State Bank | CUSB Bank |
|---|---|---|
| TellerScore | 72 | 74 (stronger) |
| Capital cushion | 44 | 73 (stronger) |
| Loan quality | 91 (stronger) | 78 |
| Earnings | 94 (stronger) | 81 |
| Funding & liquidity | 54 (stronger) | 50 |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 50th | 57th |
| Total assets | $787.9M | $812.1M |
| Deposits / shares | $693.2M | $699.3M |
| Capital ratio | 9.37% | 12.27% (stronger) |
| Problem loans | 0.27% (stronger) | 0.65% |
| Net charge-offs | 0.03% (stronger) | 0.19% |
| Return on assets | 1.84% (stronger) | 1.53% |
| Loans ÷ deposits | 85.5% (stronger) | 90.7% |
| Uninsured deposits | 33.9% | 32.5% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.0% |
CUSB Bank has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), City State Bank leads on 4 and CUSB Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.