Side-by-side · Q2 2026 data
First State Bank vs Citizens Bank & Trust Company
Metric by metric
| Measure | First State Bank | Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 70 | 79 (stronger) |
| Capital cushion | 62 | 81 (stronger) |
| Loan quality | 56 | 81 (stronger) |
| Earnings | 89 (stronger) | 69 |
| Funding & liquidity | 79 (stronger) | 75 |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 43rd | 75th |
| Total assets | $402.0M | $383.4M |
| Deposits / shares | $354.3M | $333.9M |
| Capital ratio | 11.23% | 13.12% (stronger) |
| Problem loans | 1.33% | 0.57% (stronger) |
| Net charge-offs | 0.03% | 0.03% (stronger) |
| Return on assets | 1.72% (stronger) | 1.24% |
| Loans ÷ deposits | 81.2% | 60.6% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 37.0% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank & Trust Company has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Citizens Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.