Side-by-side · Q2 2026 data
City State Bank vs Decorah Bank & Trust Company
Metric by metric
| Measure | City State Bank | Decorah Bank & Trust Company |
|---|---|---|
| TellerScore | 72 | 74 (stronger) |
| Capital cushion | 44 | 54 (stronger) |
| Loan quality | 91 (stronger) | 84 |
| Earnings | 94 (stronger) | 87 |
| Funding & liquidity | 54 | 64 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 50th | 57th |
| Total assets | $787.9M | $794.1M |
| Deposits / shares | $693.2M | $694.7M |
| Capital ratio | 9.37% | 10.41% (stronger) |
| Problem loans | 0.27% (stronger) | 0.49% |
| Net charge-offs | 0.03% (stronger) | 0.09% |
| Return on assets | 1.84% (stronger) | 1.67% |
| Loans ÷ deposits | 85.5% | 82.0% (stronger) |
| Uninsured deposits | 33.9% | 27.7% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Decorah Bank & Trust Company 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 3 and Decorah Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.