Side-by-side · Q2 2026 data
Midwest Heritage Bank, FSB vs City State Bank
Metric by metric
| Measure | Midwest Heritage Bank, FSB | City State Bank |
|---|---|---|
| TellerScore | 68 | 72 (stronger) |
| Capital cushion | 78 (stronger) | 44 |
| Loan quality | 41 | 91 (stronger) |
| Earnings | 90 | 94 (stronger) |
| Funding & liquidity | 57 (stronger) | 54 |
| Problem-loan coverage | 81 | 96 (stronger) |
| Peer percentile | 37th | 50th |
| Total assets | $768.3M | $787.9M |
| Deposits / shares | $649.6M | $693.2M |
| Capital ratio | 12.82% (stronger) | 9.37% |
| Problem loans | 1.78% | 0.27% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.75% | 1.84% (stronger) |
| Loans ÷ deposits | 80.3% (stronger) | 85.5% |
| Uninsured deposits | 35.4% | 33.9% (stronger) |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.2% | — |
City State Bank has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Midwest Heritage Bank, FSB leads on 3 and City State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.