Side-by-side · Q2 2026 data
Liberty Trust & Savings Bank vs Citizens State Bank
Metric by metric
| Measure | Liberty Trust & Savings Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 86 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 84 (stronger) | 79 |
| Funding & liquidity | 79 | 84 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 90th | 96th |
| Total assets | $186.2M | $137.7M |
| Deposits / shares | $149.5M | $112.0M |
| Capital ratio | 20.65% (stronger) | 17.93% |
| Problem loans | 0.86% | 0.25% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.14% |
| Return on assets | 1.59% (stronger) | 1.47% |
| Loans ÷ deposits | 70.5% | 68.7% (stronger) |
| Uninsured deposits | 24.7% | 21.5% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Citizens State Bank has the higher TellerScore (91 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Liberty Trust & Savings Bank leads on 3 and Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.