Side-by-side · Q2 2026 data
Columbus State Bank vs Citizens State Bank
Metric by metric
| Measure | Columbus State Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 95 (stronger) | 53 |
| Loan quality | 100 | 100 |
| Earnings | 57 | 77 (stronger) |
| Funding & liquidity | 76 (stronger) | 67 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 90th | 64th |
| Total assets | $326.5M | $507.0M |
| Deposits / shares | $281.0M | $456.6M |
| Capital ratio | 14.47% (stronger) | 10.35% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.93% | 1.42% (stronger) |
| Loans ÷ deposits | 7.8% (stronger) | 68.5% |
| Uninsured deposits | 37.3% (stronger) | 37.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Columbus State Bank has the higher TellerScore (86 vs 76). On the 6 directional measures above (where higher or lower is clearly better), Columbus State Bank leads on 5 and Citizens State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.