Side-by-side · Q2 2026 data
First Citizens State Bank vs State Bank of Chilton
Metric by metric
| Measure | First Citizens State Bank | State Bank of Chilton |
|---|---|---|
| TellerScore | 90 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 94 | 100 (stronger) |
| Funding & liquidity | 40 | 49 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 95th | 77th |
| Total assets | $525.2M | $516.5M |
| Deposits / shares | $355.3M | $435.9M |
| Capital ratio | 18.00% (stronger) | 12.75% |
| Problem loans | 0.00% (stronger) | 0.58% |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 1.85% | 2.40% (stronger) |
| Loans ÷ deposits | 109.2% | 98.8% (stronger) |
| Uninsured deposits | 25.1% (stronger) | 25.7% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.9% |
First Citizens State Bank has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First Citizens State Bank leads on 4 and State Bank of Chilton on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.