Side-by-side · Q2 2026 data
Community State Bank vs First Citizens State Bank
Metric by metric
| Measure | Community State Bank | First Citizens State Bank |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 76 | 94 (stronger) |
| Funding & liquidity | 83 (stronger) | 40 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 57th | 95th |
| Total assets | $667.5M | $525.2M |
| Deposits / shares | $621.3M | $355.3M |
| Capital ratio | 9.62% | 18.00% (stronger) |
| Problem loans | 0.28% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.39% | 1.85% (stronger) |
| Loans ÷ deposits | 58.6% (stronger) | 109.2% |
| Uninsured deposits | 30.6% | 25.1% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | — |
First Citizens State Bank has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 2 and First Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.