Side-by-side · Q2 2026 data
New Century Bank vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | New Century Bank | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 79 (stronger) | 75 |
| Capital cushion | 82 (stronger) | 40 |
| Loan quality | 71 | 96 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 52 | 63 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 63rd | 54th |
| Total assets | $88.9M | $96.1M |
| Deposits / shares | $71.6M | $84.3M |
| Capital ratio | 13.16% (stronger) | 8.96% |
| Problem loans | 0.87% | 0.11% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.00% |
| Return on assets | 2.20% (stronger) | 1.95% |
| Loans ÷ deposits | 108.2% | 96.8% (stronger) |
| Uninsured deposits | 11.0% (stronger) | 15.5% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
New Century Bank has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), New Century Bank leads on 5 and The Citizens State Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.