Side-by-side · Q2 2026 data
First Citizens Bank vs Community State Bank
Metric by metric
| Measure | First Citizens Bank | Community State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 70 (stronger) | 67 |
| Loan quality | 95 (stronger) | 94 |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 43 | 52 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 91st | 80th |
| Total assets | $1.8B | $1.7B |
| Deposits / shares | $1.6B | $1.3B |
| Capital ratio | 11.96% (stronger) | 11.67% |
| Problem loans | 0.16% (stronger) | 0.19% |
| Net charge-offs | 0.13% | -0.01% (stronger) |
| Return on assets | 2.09% (stronger) | 1.34% |
| Loans ÷ deposits | 83.2% (stronger) | 101.2% |
| Uninsured deposits | 45.6% | 21.7% (stronger) |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.6% |
First Citizens Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 5 and Community State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.