Side-by-side · Q2 2026 data
Peoples Savings Bank vs Citizens State Bank
Metric by metric
| Measure | Peoples Savings Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 56 | 87 (stronger) |
| Capital cushion | 49 | 75 (stronger) |
| Loan quality | 60 | 100 (stronger) |
| Earnings | 52 | 90 (stronger) |
| Funding & liquidity | 52 | 75 (stronger) |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 13th | 91st |
| Total assets | $189.1M | $194.7M |
| Deposits / shares | $142.0M | $166.1M |
| Capital ratio | 9.89% | 12.45% (stronger) |
| Problem loans | 1.19% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.81% | 1.74% (stronger) |
| Loans ÷ deposits | 100.1% | 78.3% (stronger) |
| Uninsured deposits | 22.2% | 20.7% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (87 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Peoples Savings Bank leads on 1 and Citizens State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.