Side-by-side · Q2 2026 data
First State Bank vs Citizens Savings Bank
Metric by metric
| Measure | First State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 48 | 49 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 53 | 79 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 61st | 51st |
| Total assets | $384.2M | $77.9M |
| Deposits / shares | $308.1M | $64.6M |
| Capital ratio | 9.77% | 9.90% (stronger) |
| Problem loans | 0.21% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.11% (stronger) | 1.07% |
| Loans ÷ deposits | 95.6% | 76.4% (stronger) |
| Uninsured deposits | 26.0% | 19.2% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.5% | — |
First State Bank has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.