Side-by-side · Q2 2026 data
Incommons Bank, N.A. vs Citizens State Bank
Metric by metric
| Measure | Incommons Bank, N.A. | Citizens State Bank |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 52 | 57 (stronger) |
| Loan quality | 86 (stronger) | 85 |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 50 |
| Problem-loan coverage | 89 | 90 (stronger) |
| Peer percentile | 53rd | 61st |
| Total assets | $277.6M | $270.1M |
| Deposits / shares | $245.8M | $239.6M |
| Capital ratio | 10.20% | 10.74% (stronger) |
| Problem loans | 0.41% (stronger) | 0.44% |
| Net charge-offs | 0.04% (stronger) | 0.38% |
| Return on assets | 1.60% | 2.55% (stronger) |
| Loans ÷ deposits | 79.0% (stronger) | 87.4% |
| Uninsured deposits | 28.1% (stronger) | 35.6% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | — |
Citizens State Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Incommons Bank, N.A. leads on 4 and Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.