Side-by-side · Q2 2026 data
Grand Marais State Bank vs Citizens Bank & Trust Co.
Metric by metric
| Measure | Grand Marais State Bank | Citizens Bank & Trust Co. |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 34 | 36 (stronger) |
| Loan quality | 97 (stronger) | 91 |
| Earnings | 88 (stronger) | 68 |
| Funding & liquidity | 87 (stronger) | 84 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 61st | 40th |
| Total assets | $207.2M | $329.0M |
| Deposits / shares | $189.6M | $297.4M |
| Capital ratio | 8.40% | 8.63% (stronger) |
| Problem loans | 0.10% (stronger) | 0.26% |
| Net charge-offs | 0.02% (stronger) | 0.09% |
| Return on assets | 1.71% (stronger) | 1.21% |
| Loans ÷ deposits | 68.4% | 55.2% (stronger) |
| Uninsured deposits | 19.3% (stronger) | 29.9% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Grand Marais State Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Grand Marais State Bank leads on 5 and Citizens Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.