Side-by-side · Q2 2026 data
Independent Farmers Bank vs Citizens Community Bank
Metric by metric
| Measure | Independent Farmers Bank | Citizens Community Bank |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 55 | 66 (stronger) |
| Loan quality | 78 | 91 (stronger) |
| Earnings | 65 | 68 (stronger) |
| Funding & liquidity | 85 | 85 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 47th | 75th |
| Total assets | $146.5M | $142.6M |
| Deposits / shares | $131.9M | $125.9M |
| Capital ratio | 10.53% | 11.56% (stronger) |
| Problem loans | 0.66% | 0.27% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.25% |
| Return on assets | 1.13% | 1.19% (stronger) |
| Loans ÷ deposits | 66.2% (stronger) | 75.7% |
| Uninsured deposits | 23.5% | 9.8% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | — |
Citizens Community Bank has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Independent Farmers Bank leads on 2 and Citizens Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.