Side-by-side · Q2 2026 data
Mount Vernon Bank and Trust Company vs Citizens State Bank
Metric by metric
| Measure | Mount Vernon Bank and Trust Company | Citizens State Bank |
|---|---|---|
| TellerScore | 82 | 91 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 72 | 79 (stronger) |
| Funding & liquidity | 70 | 84 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 82nd | 96th |
| Total assets | $195.5M | $137.7M |
| Deposits / shares | $165.7M | $112.0M |
| Capital ratio | 13.03% | 17.93% (stronger) |
| Problem loans | 0.21% (stronger) | 0.25% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.30% | 1.47% (stronger) |
| Loans ÷ deposits | 83.0% | 68.7% (stronger) |
| Uninsured deposits | 21.7% | 21.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.7% | — |
Citizens State Bank has the higher TellerScore (91 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Mount Vernon Bank and Trust Company leads on 2 and Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.