Side-by-side · Q2 2026 data
First Bank Blue Earth vs Citizens Bank & Trust Co.
Metric by metric
| Measure | First Bank Blue Earth | Citizens Bank & Trust Co. |
|---|---|---|
| TellerScore | 64 | 69 (stronger) |
| Capital cushion | 45 (stronger) | 36 |
| Loan quality | 87 | 91 (stronger) |
| Earnings | 39 | 68 (stronger) |
| Funding & liquidity | 75 | 84 (stronger) |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 26th | 40th |
| Total assets | $322.7M | $329.0M |
| Deposits / shares | $283.2M | $297.4M |
| Capital ratio | 9.47% (stronger) | 8.63% |
| Problem loans | 0.39% | 0.26% (stronger) |
| Net charge-offs | 0.13% | 0.09% (stronger) |
| Return on assets | 0.48% | 1.21% (stronger) |
| Loans ÷ deposits | 74.0% | 55.2% (stronger) |
| Uninsured deposits | 25.6% (stronger) | 29.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank & Trust Co. has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Bank Blue Earth leads on 2 and Citizens Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.