Side-by-side · Q2 2026 data
Iowa State Bank and Trust Company of Fairfield, Iowa vs Citizens First Bank
Bank
Iowa State Bank and Trust Company of Fairfield, Iowa
Fairfield, Iowa · $100 million – $1 billion
Metric by metric
| Measure | Iowa State Bank and Trust Company of Fairfield, Iowa | Citizens First Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 46 |
| Capital cushion | 30 | 32 (stronger) |
| Loan quality | 97 (stronger) | 43 |
| Earnings | 70 (stronger) | 65 |
| Funding & liquidity | 48 (stronger) | 43 |
| Problem-loan coverage | 98 (stronger) | 64 |
| Peer percentile | 26th | 5th |
| Total assets | $352.1M | $361.3M |
| Deposits / shares | $300.9M | $278.7M |
| Capital ratio | 8.01% | 8.24% (stronger) |
| Problem loans | 0.10% (stronger) | 1.71% |
| Net charge-offs | 0.03% (stronger) | 0.17% |
| Return on assets | 1.24% (stronger) | 1.13% |
| Loans ÷ deposits | 83.3% (stronger) | 101.6% |
| Uninsured deposits | 40.7% | 29.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Iowa State Bank and Trust Company of Fairfield, Iowa has the higher TellerScore (64 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Iowa State Bank and Trust Company of Fairfield, Iowa leads on 5 and Citizens First Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.