Side-by-side · Q2 2026 data
GNBank, National Association vs Citizens State Bank and Trust Company
Metric by metric
| Measure | GNBank, National Association | Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 80 | 95 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 96 (stronger) | 93 |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 67 | 79 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 90th | 99th |
| Total assets | $1.1B | $103.6M |
| Deposits / shares | $851.1M | $79.6M |
| Capital ratio | 11.56% | 18.31% (stronger) |
| Problem loans | 0.13% (stronger) | 0.21% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.52% | 2.10% (stronger) |
| Loans ÷ deposits | 84.7% | 81.7% (stronger) |
| Uninsured deposits | 22.6% | 15.1% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
Citizens State Bank and Trust Company has the higher TellerScore (95 vs 80). On the 7 directional measures above (where higher or lower is clearly better), GNBank, National Association leads on 1 and Citizens State Bank and Trust Company on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hiawatha, KS