Side-by-side · Q2 2026 data
Exchange State Bank vs Citizens Savings Bank
Metric by metric
| Measure | Exchange State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 62 (stronger) | 49 |
| Loan quality | 67 | 100 (stronger) |
| Earnings | 99 (stronger) | 63 |
| Funding & liquidity | 46 | 79 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 47th | 51st |
| Total assets | $146.0M | $77.9M |
| Deposits / shares | $117.5M | $64.6M |
| Capital ratio | 11.17% (stronger) | 9.90% |
| Problem loans | 1.00% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.97% (stronger) | 1.07% |
| Loans ÷ deposits | 103.4% | 76.4% (stronger) |
| Uninsured deposits | 25.0% | 19.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Citizens Savings Bank has the higher TellerScore (74 vs 71). On the 6 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 2 and Citizens Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.