Side-by-side · Q2 2026 data
Peoples Bank vs Citizens State Bank
Metric by metric
| Measure | Peoples Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 69 | 87 (stronger) |
| Capital cushion | 57 | 75 (stronger) |
| Loan quality | 72 | 100 (stronger) |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 34 | 75 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 53rd | 91st |
| Total assets | $1.3B | $194.7M |
| Deposits / shares | $1.0B | $166.1M |
| Capital ratio | 10.73% | 12.45% (stronger) |
| Problem loans | 0.85% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.10% (stronger) | 1.74% |
| Loans ÷ deposits | 102.0% | 78.3% (stronger) |
| Uninsured deposits | 37.1% | 20.7% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Citizens State Bank has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 1 and Citizens State Bank on 6. 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.
Where both have branches
- Sheldon, IA