Side-by-side · Q2 2026 data
Minster Bank vs Citizens Federal Savings and Loan Association
Bank
Citizens Federal Savings and Loan Association
Bellefontaine, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Minster Bank | Citizens Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 79 (stronger) | 70 |
| Capital cushion | 51 | 59 (stronger) |
| Loan quality | 95 | 99 (stronger) |
| Earnings | 85 (stronger) | 38 |
| Funding & liquidity | 86 (stronger) | 67 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 75th | 43rd |
| Total assets | $811.6M | $186.1M |
| Deposits / shares | $719.4M | $161.3M |
| Capital ratio | 10.08% | 10.90% (stronger) |
| Problem loans | 0.14% | 0.03% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.62% (stronger) | 0.45% |
| Loans ÷ deposits | 63.5% (stronger) | 91.1% |
| Uninsured deposits | 24.7% | 16.6% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Minster Bank has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Minster Bank leads on 3 and Citizens Federal Savings and Loan Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.