Side-by-side · Q2 2026 data
First State Bank vs Citizens Community Credit Union
Metric by metric
| Measure | First State Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 67 | 88 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 69 | 76 (stronger) |
| Earnings | 48 | 87 (stronger) |
| Funding & liquidity | 85 (stronger) | 79 |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 34th | 92nd |
| Total assets | $141.7M | $253.6M |
| Deposits / shares | $117.8M | $201.9M |
| Capital ratio | 11.23% | 19.14% (stronger) |
| Problem loans | 0.92% | 0.73% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.76% |
| Return on assets | 0.71% | 1.69% (stronger) |
| Loans ÷ deposits | 52.6% (stronger) | 81.1% |
| Uninsured deposits | 29.1% | 5.0% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Citizens Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Belmond, IA