Side-by-side · Q2 2026 data
Kerndt Brothers Savings Bank vs Citizens First Bank
Metric by metric
| Measure | Kerndt Brothers Savings Bank | Citizens First Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 75 |
| Capital cushion | 59 (stronger) | 53 |
| Loan quality | 78 | 85 (stronger) |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 86 (stronger) | 57 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 75th | 61st |
| Total assets | $347.2M | $344.5M |
| Deposits / shares | $282.8M | $283.1M |
| Capital ratio | 10.88% (stronger) | 10.26% |
| Problem loans | 0.65% | 0.44% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.48% (stronger) | 1.93% |
| Loans ÷ deposits | 71.5% (stronger) | 89.1% |
| Uninsured deposits | 17.3% (stronger) | 28.3% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | — |
Kerndt Brothers Savings Bank has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Kerndt Brothers Savings Bank leads on 5 and Citizens First Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.