Side-by-side · Q2 2026 data
City State Bank vs First Central State Bank
Metric by metric
| Measure | City State Bank | First Central State Bank |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 44 | 84 (stronger) |
| Loan quality | 91 | 93 (stronger) |
| Earnings | 94 (stronger) | 77 |
| Funding & liquidity | 54 | 65 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 50th | 84th |
| Total assets | $787.9M | $772.4M |
| Deposits / shares | $693.2M | $595.4M |
| Capital ratio | 9.37% | 13.39% (stronger) |
| Problem loans | 0.27% | 0.21% (stronger) |
| Net charge-offs | 0.03% | 0.01% (stronger) |
| Return on assets | 1.84% (stronger) | 1.43% |
| Loans ÷ deposits | 85.5% | 82.4% (stronger) |
| Uninsured deposits | 33.9% | 26.7% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
First Central 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 1 and First Central State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.