Side-by-side · Q2 2026 data
Commercial State Bank vs Citizens Bank & Trust
Metric by metric
| Measure | Commercial State Bank | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 76 | 85 (stronger) |
| Capital cushion | 46 | 75 (stronger) |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 93 (stronger) | 74 |
| Funding & liquidity | 64 | 87 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 64th | 88th |
| Total assets | $264.4M | $107.3M |
| Deposits / shares | $237.3M | $93.7M |
| Capital ratio | 9.64% | 12.50% (stronger) |
| Problem loans | 0.12% | 0.08% (stronger) |
| Net charge-offs | 0.12% | 0.05% (stronger) |
| Return on assets | 1.83% (stronger) | 1.36% |
| Loans ÷ deposits | 91.2% | 55.9% (stronger) |
| Uninsured deposits | 19.4% (stronger) | 27.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank & Trust has the higher TellerScore (85 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 2 and Citizens Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.