Side-by-side · Q2 2026 data
Jonesburg State Bank vs Citizens Bank
Metric by metric
| Measure | Jonesburg State Bank | Citizens Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 54 |
| Capital cushion | 49 | 81 (stronger) |
| Loan quality | 100 (stronger) | 2 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 75 (stronger) | 52 |
| Problem-loan coverage | 100 (stronger) | 65 |
| Peer percentile | 80th | 10th |
| Total assets | $145.6M | $357.4M |
| Deposits / shares | $125.4M | $305.4M |
| Capital ratio | 9.95% | 13.10% (stronger) |
| Problem loans | 0.00% (stronger) | 2.95% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 2.49% (stronger) | 1.33% |
| Loans ÷ deposits | 84.9% (stronger) | 101.2% |
| Uninsured deposits | 9.8% (stronger) | 21.3% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jonesburg State Bank has the higher TellerScore (81 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Jonesburg State Bank leads on 6 and Citizens Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.