Side-by-side · Q2 2026 data
Montezuma State Bank vs Citizens Savings Bank
Metric by metric
| Measure | Montezuma State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 99 (stronger) | 49 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 90 (stronger) | 63 |
| Funding & liquidity | 92 (stronger) | 79 |
| Problem-loan coverage | 63 | 100 (stronger) |
| Peer percentile | 33rd | 51st |
| Total assets | $54.6M | $77.9M |
| Deposits / shares | $46.2M | $64.6M |
| Capital ratio | 14.87% (stronger) | 9.90% |
| Problem loans | 6.94% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 1.75% (stronger) | 1.07% |
| Loans ÷ deposits | 48.8% (stronger) | 76.4% |
| Uninsured deposits | 22.3% | 19.2% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Savings Bank has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Montezuma State Bank leads on 4 and Citizens Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.