Side-by-side · Q2 2026 data
Defiance State Bank vs Community State Bank
Metric by metric
| Measure | Defiance State Bank | Community State Bank |
|---|---|---|
| TellerScore | 68 | 89 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 49 (stronger) | 43 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 33rd | 87th |
| Total assets | $42.6M | $41.4M |
| Deposits / shares | $33.5M | $33.6M |
| Capital ratio | 9.86% | 20.23% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.12% (stronger) |
| Return on assets | 0.71% (stronger) | 0.57% |
| Loans ÷ deposits | 95.3% | 39.4% (stronger) |
| Uninsured deposits | 8.9% | 4.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community State Bank has the higher TellerScore (89 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Defiance State Bank leads on 1 and Community State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.