Side-by-side · Q2 2026 data
First Citizens State Bank vs Bank of Milton
Metric by metric
| Measure | First Citizens State Bank | Bank of Milton |
|---|---|---|
| TellerScore | 90 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 100 (stronger) | 22 |
| Earnings | 94 (stronger) | 82 |
| Funding & liquidity | 40 | 73 (stronger) |
| Problem-loan coverage | 100 (stronger) | 62 |
| Peer percentile | 95th | 9th |
| Total assets | $525.2M | $221.4M |
| Deposits / shares | $355.3M | $193.7M |
| Capital ratio | 18.00% (stronger) | 9.51% |
| Problem loans | 0.00% (stronger) | 2.34% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.55% |
| Loans ÷ deposits | 109.2% | 87.5% (stronger) |
| Uninsured deposits | 25.1% | 14.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.3% |
First Citizens State Bank has the higher TellerScore (90 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First Citizens State Bank leads on 4 and Bank of Milton on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.