Side-by-side · Q2 2026 data
City State Bank vs Manufacturers Bank & Trust Company
Metric by metric
| Measure | City State Bank | Manufacturers Bank & Trust Company |
|---|---|---|
| TellerScore | 72 (stronger) | 68 |
| Capital cushion | 44 | 54 (stronger) |
| Loan quality | 91 (stronger) | 69 |
| Earnings | 94 (stronger) | 73 |
| Funding & liquidity | 54 | 75 (stronger) |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 50th | 37th |
| Total assets | $787.9M | $738.2M |
| Deposits / shares | $693.2M | $640.4M |
| Capital ratio | 9.37% | 10.44% (stronger) |
| Problem loans | 0.27% (stronger) | 0.94% |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.84% (stronger) | 1.31% |
| Loans ÷ deposits | 85.5% | 79.3% (stronger) |
| Uninsured deposits | 33.9% | 19.9% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.2% |
City State Bank has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), City State Bank leads on 3 and Manufacturers Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.