Side-by-side · Q2 2026 data
First National Bank in Frankfort vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | First National Bank in Frankfort | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 58 (stronger) | 40 |
| Loan quality | 83 | 96 (stronger) |
| Earnings | 49 | 98 (stronger) |
| Funding & liquidity | 100 (stronger) | 63 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 45th | 54th |
| Total assets | $61.6M | $96.1M |
| Deposits / shares | $55.4M | $84.3M |
| Capital ratio | 10.76% (stronger) | 8.96% |
| Problem loans | 0.52% | 0.11% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.74% | 1.95% (stronger) |
| Loans ÷ deposits | 55.4% (stronger) | 96.8% |
| Uninsured deposits | 11.5% (stronger) | 15.5% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens State Bank and Trust Company has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Frankfort leads on 4 and The Citizens State Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.