Side-by-side · Q2 2026 data
FNB Washington vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | FNB Washington | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 92 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 97 | 98 (stronger) |
| Funding & liquidity | 61 | 63 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 92nd | 54th |
| Total assets | $87.8M | $96.1M |
| Deposits / shares | $57.4M | $84.3M |
| Capital ratio | 25.88% (stronger) | 8.96% |
| Problem loans | 0.18% | 0.11% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.94% | 1.95% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 96.8% |
| Uninsured deposits | 40.8% | 15.5% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FNB Washington has the higher TellerScore (92 vs 75). On the 7 directional measures above (where higher or lower is clearly better), FNB Washington leads on 4 and The Citizens State Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.