Side-by-side · Q2 2026 data
Johnson State 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 | Johnson State Bank | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 85 (stronger) | 75 |
| Capital cushion | 97 (stronger) | 40 |
| Loan quality | 96 | 96 |
| Earnings | 57 | 98 (stronger) |
| Funding & liquidity | 86 (stronger) | 63 |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 78th | 54th |
| Total assets | $96.6M | $96.1M |
| Deposits / shares | $80.7M | $84.3M |
| Capital ratio | 14.72% (stronger) | 8.96% |
| Problem loans | 0.12% | 0.11% (stronger) |
| Net charge-offs | -0.21% (stronger) | 0.00% |
| Return on assets | 0.93% | 1.95% (stronger) |
| Loans ÷ deposits | 42.6% (stronger) | 96.8% |
| Uninsured deposits | 27.7% | 15.5% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Johnson State Bank has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Johnson State Bank leads on 4 and The Citizens State Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.