Side-by-side · Q2 2026 data
Independence State Bank vs Citizens First Bank
Metric by metric
| Measure | Independence State Bank | Citizens First Bank |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 54 (stronger) | 53 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 68 | 97 (stronger) |
| Funding & liquidity | 71 (stronger) | 57 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 54th | 61st |
| Total assets | $84.2M | $344.5M |
| Deposits / shares | $72.2M | $283.1M |
| Capital ratio | 10.38% (stronger) | 10.26% |
| Problem loans | 0.00% (stronger) | 0.44% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.20% | 1.93% (stronger) |
| Loans ÷ deposits | 89.7% | 89.1% (stronger) |
| Uninsured deposits | 14.9% (stronger) | 28.3% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Independence State Bank leads on 3 and Citizens First Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.