Side-by-side · Q2 2026 data
Cleo State Bank vs Community State Bank
Metric by metric
| Measure | Cleo State Bank | Community State Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 25 |
| Loan quality | 29 (stronger) | 5 |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 92 | 94 (stronger) |
| Problem-loan coverage | 85 (stronger) | 79 |
| Peer percentile | 77th | 4th |
| Total assets | $122.5M | $89.7M |
| Deposits / shares | $103.9M | $82.8M |
| Capital ratio | 16.43% (stronger) | 7.49% |
| Problem loans | 2.12% (stronger) | 2.85% |
| Net charge-offs | 0.32% | 0.05% (stronger) |
| Return on assets | 2.29% (stronger) | 0.79% |
| Loans ÷ deposits | 65.0% | 32.7% (stronger) |
| Uninsured deposits | 17.7% (stronger) | 20.4% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cleo State Bank has the higher TellerScore (80 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Cleo State Bank leads on 5 and Community State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.