Side-by-side · Q2 2026 data
Ninnescah Valley Bank vs Citizens Bank of Kansas
Metric by metric
| Measure | Ninnescah Valley Bank | Citizens Bank of Kansas |
|---|---|---|
| TellerScore | 57 | 72 (stronger) |
| Capital cushion | 70 (stronger) | 35 |
| Loan quality | 0 | 99 (stronger) |
| Earnings | 73 (stronger) | 60 |
| Funding & liquidity | 93 | 98 (stronger) |
| Problem-loan coverage | 70 | 99 (stronger) |
| Peer percentile | 16th | 50th |
| Total assets | $44.6M | $548.4M |
| Deposits / shares | $40.5M | $498.6M |
| Capital ratio | 12.04% (stronger) | 8.53% |
| Problem loans | 3.54% | 0.02% (stronger) |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 1.32% (stronger) | 1.01% |
| Loans ÷ deposits | 44.4% (stronger) | 47.4% |
| Uninsured deposits | 21.6% | 17.0% (stronger) |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.7% |
Citizens Bank of Kansas has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Ninnescah Valley Bank leads on 3 and Citizens Bank of Kansas on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.