Side-by-side · Q2 2026 data
First State Bank of DeKalb County vs Citizens Bank & Trust
Metric by metric
| Measure | First State Bank of DeKalb County | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 91 (stronger) | 39 |
| Loan quality | 72 | 97 (stronger) |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 79 | 83 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 90th | 44th |
| Total assets | $353.8M | $1.2B |
| Deposits / shares | $299.0M | $1.1B |
| Capital ratio | 14.13% (stronger) | 8.93% |
| Problem loans | 0.84% | 0.08% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 2.26% (stronger) | 0.60% |
| Loans ÷ deposits | 68.6% | 56.0% (stronger) |
| Uninsured deposits | 26.9% (stronger) | 30.3% |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
First State Bank of DeKalb County has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of DeKalb County leads on 5 and Citizens Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.