Side-by-side · Q2 2026 data
Ohnward Bank & Trust vs Citizens Savings Bank
Metric by metric
| Measure | Ohnward Bank & Trust | Citizens Savings Bank |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 76 (stronger) | 45 |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 76 (stronger) | 61 |
| Funding & liquidity | 46 | 86 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 57th | 57th |
| Total assets | $499.1M | $165.9M |
| Deposits / shares | $417.6M | $151.3M |
| Capital ratio | 12.58% (stronger) | 9.50% |
| Problem loans | 0.60% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 1.39% (stronger) | 1.02% |
| Loans ÷ deposits | 92.9% | 45.4% (stronger) |
| Uninsured deposits | 33.7% | 27.7% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Ohnward Bank & Trust leads on 2 and Citizens Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.