Side-by-side · Q2 2026 data
Lyons Federal Bank vs Citizens Federal Savings Bank
Metric by metric
| Measure | Lyons Federal Bank | Citizens Federal Savings Bank |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 92 | 95 (stronger) |
| Earnings | 62 (stronger) | 28 |
| Funding & liquidity | 64 | 70 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 72nd | 77th |
| Total assets | $197.6M | $190.1M |
| Deposits / shares | $166.7M | $149.1M |
| Capital ratio | 12.70% | 20.08% (stronger) |
| Problem loans | 0.23% | 0.15% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.06% (stronger) | 0.19% |
| Loans ÷ deposits | 86.4% (stronger) | 90.1% |
| Uninsured deposits | 23.9% | 10.9% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Savings Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Lyons Federal Bank leads on 3 and Citizens Federal Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.