Side-by-side · Q2 2026 data
Dream First Bank, National Association vs The Citizens State Bank
Metric by metric
| Measure | Dream First Bank, National Association | The Citizens State Bank |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 47 | 85 (stronger) |
| Loan quality | 38 | 90 (stronger) |
| Earnings | 63 | 64 (stronger) |
| Funding & liquidity | 79 (stronger) | 65 |
| Problem-loan coverage | 73 | 98 (stronger) |
| Peer percentile | 11th | 77th |
| Total assets | $963.7M | $137.5M |
| Deposits / shares | $850.4M | $118.4M |
| Capital ratio | 9.69% | 13.54% (stronger) |
| Problem loans | 1.86% | 0.30% (stronger) |
| Net charge-offs | 0.13% | 0.01% (stronger) |
| Return on assets | 1.07% | 1.09% (stronger) |
| Loans ÷ deposits | 76.9% | 58.8% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 46.9% |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens State Bank has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Dream First Bank, National Association leads on 1 and The Citizens State Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hugoton, KS