Side-by-side · Q2 2026 data
Ohnward Bank & Trust vs Citizens State Bank
Metric by metric
| Measure | Ohnward Bank & Trust | Citizens State Bank |
|---|---|---|
| TellerScore | 74 | 91 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 80 | 92 (stronger) |
| Earnings | 76 | 79 (stronger) |
| Funding & liquidity | 46 | 84 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 57th | 96th |
| Total assets | $499.1M | $137.7M |
| Deposits / shares | $417.6M | $112.0M |
| Capital ratio | 12.58% | 17.93% (stronger) |
| Problem loans | 0.60% | 0.25% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.14% |
| Return on assets | 1.39% | 1.47% (stronger) |
| Loans ÷ deposits | 92.9% | 68.7% (stronger) |
| Uninsured deposits | 33.7% | 21.5% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (91 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Ohnward Bank & Trust leads on 1 and Citizens State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.