Side-by-side · Q2 2026 data
First Central State Bank vs Citizens First Bank
Metric by metric
| Measure | First Central State Bank | Citizens First Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 46 |
| Capital cushion | 84 (stronger) | 32 |
| Loan quality | 93 (stronger) | 43 |
| Earnings | 77 (stronger) | 65 |
| Funding & liquidity | 65 (stronger) | 43 |
| Problem-loan coverage | 97 (stronger) | 64 |
| Peer percentile | 84th | 5th |
| Total assets | $772.4M | $361.3M |
| Deposits / shares | $595.4M | $278.7M |
| Capital ratio | 13.39% (stronger) | 8.24% |
| Problem loans | 0.21% (stronger) | 1.71% |
| Net charge-offs | 0.01% (stronger) | 0.17% |
| Return on assets | 1.43% (stronger) | 1.13% |
| Loans ÷ deposits | 82.4% (stronger) | 101.6% |
| Uninsured deposits | 26.7% (stronger) | 29.0% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
First Central State Bank has the higher TellerScore (83 vs 46). On the 7 directional measures above (where higher or lower is clearly better), First Central State Bank leads on 7 and Citizens First Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.