Side-by-side · Q2 2026 data
First State Bank vs The Citizens Bank
Metric by metric
| Measure | First State Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 70 |
| Capital cushion | 62 (stronger) | 39 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 65 | 82 (stronger) |
| Funding & liquidity | 68 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 68th | 58th |
| Total assets | $328.1M | $1.6B |
| Deposits / shares | $292.6M | $1.5B |
| Capital ratio | 11.24% (stronger) | 8.87% |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 1.12% | 1.55% (stronger) |
| Loans ÷ deposits | 80.9% (stronger) | 85.2% |
| Uninsured deposits | 25.5% | 22.8% (stronger) |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | 13.3% |
First State Bank has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and The Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.