Side-by-side · Q2 2026 data
Grand Ridge National Bank vs Citizens State Bank
Metric by metric
| Measure | Grand Ridge National Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 88 (stronger) | 46 |
| Loan quality | 75 (stronger) | 59 |
| Earnings | 89 | 89 |
| Funding & liquidity | 47 | 81 (stronger) |
| Problem-loan coverage | 92 (stronger) | 83 |
| Peer percentile | 75th | 34th |
| Total assets | $443.3M | $453.3M |
| Deposits / shares | $379.4M | $407.5M |
| Capital ratio | 13.77% (stronger) | 9.58% |
| Problem loans | 0.76% (stronger) | 1.23% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.72% | 1.73% (stronger) |
| Loans ÷ deposits | 88.0% | 73.5% (stronger) |
| Uninsured deposits | 37.7% | 19.7% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Grand Ridge National Bank has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Grand Ridge National Bank leads on 3 and Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.