Side-by-side · Q2 2026 data
Integrity Bank vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | Integrity Bank | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 80 (stronger) | 75 |
| Capital cushion | 53 (stronger) | 40 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 74 | 98 (stronger) |
| Funding & liquidity | 98 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 66th | 54th |
| Total assets | $99.7M | $96.1M |
| Deposits / shares | $89.2M | $84.3M |
| Capital ratio | 10.33% (stronger) | 8.96% |
| Problem loans | 0.00% (stronger) | 0.11% |
| Net charge-offs | -0.08% (stronger) | 0.00% |
| Return on assets | 1.35% | 1.95% (stronger) |
| Loans ÷ deposits | 36.3% (stronger) | 96.8% |
| Uninsured deposits | 16.6% | 15.5% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Integrity Bank has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Integrity Bank leads on 5 and The Citizens State Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.