Side-by-side · Q2 2026 data
Patterson State Bank vs Citizens Savings Bank
Metric by metric
| Measure | Patterson State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 50 | 81 (stronger) |
| Capital cushion | 39 | 93 (stronger) |
| Loan quality | 41 | 75 (stronger) |
| Earnings | 45 | 71 (stronger) |
| Funding & liquidity | 79 (stronger) | 72 |
| Problem-loan coverage | 73 | 91 (stronger) |
| Peer percentile | 7th | 80th |
| Total assets | $330.7M | $329.1M |
| Deposits / shares | $296.3M | $282.4M |
| Capital ratio | 8.92% | 14.33% (stronger) |
| Problem loans | 1.78% | 0.74% (stronger) |
| Net charge-offs | 0.36% | 0.17% (stronger) |
| Return on assets | 0.61% | 1.28% (stronger) |
| Loans ÷ deposits | 64.2% (stronger) | 87.9% |
| Uninsured deposits | 30.4% | 11.0% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Citizens Savings Bank has the higher TellerScore (81 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Patterson State Bank leads on 1 and Citizens Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.