Side-by-side · Q2 2026 data
First State Bank vs Citizens State Bank
Metric by metric
| Measure | First State Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 72 (stronger) | 64 |
| Loan quality | 100 | 100 |
| Earnings | 37 | 80 (stronger) |
| Funding & liquidity | 86 (stronger) | 50 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 58th | 60th |
| Total assets | $46.8M | $35.6M |
| Deposits / shares | $39.8M | $27.8M |
| Capital ratio | 12.20% (stronger) | 11.43% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.41% | 1.49% (stronger) |
| Loans ÷ deposits | 74.5% (stronger) | 112.1% |
| Uninsured deposits | 10.1% | 4.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (78 vs 77). On the 5 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.