Side-by-side · Q2 2026 data
Northwestern Bank vs Citizens State Bank of Loyal
Metric by metric
| Measure | Northwestern Bank | Citizens State Bank of Loyal |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 62 | 65 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 44 | 81 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 77th | 77th |
| Total assets | $725.6M | $311.5M |
| Deposits / shares | $575.2M | $250.3M |
| Capital ratio | 11.22% | 11.48% (stronger) |
| Problem loans | 0.03% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.01% |
| Return on assets | 2.40% (stronger) | 1.16% |
| Loans ÷ deposits | 102.1% | 71.9% (stronger) |
| Uninsured deposits | 27.7% | 21.3% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 9.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Northwestern Bank leads on 2 and Citizens State Bank of Loyal on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.