Side-by-side · Q2 2026 data
Horizon Bank vs Citizens State Bank
Metric by metric
| Measure | Horizon Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 78 |
| Capital cushion | 90 (stronger) | 64 |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 59 (stronger) | 50 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 91st | 60th |
| Total assets | $574.3M | $35.6M |
| Deposits / shares | $474.9M | $27.8M |
| Capital ratio | 13.96% (stronger) | 11.43% |
| Problem loans | 0.46% | 0.00% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 2.95% (stronger) | 1.49% |
| Loans ÷ deposits | 84.0% (stronger) | 112.1% |
| Uninsured deposits | 30.8% | 4.4% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Bank has the higher TellerScore (87 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 4 and Citizens State Bank on 3. 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.