Side-by-side · Q2 2026 data
Peoples State Bank vs Citizens State Bank
Metric by metric
| Measure | Peoples State Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 68 | 83 (stronger) |
| Capital cushion | 57 | 70 (stronger) |
| Loan quality | 58 | 83 (stronger) |
| Earnings | 74 | 97 (stronger) |
| Funding & liquidity | 84 (stronger) | 81 |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 37th | 84th |
| Total assets | $181.2M | $190.6M |
| Deposits / shares | $149.7M | $165.7M |
| Capital ratio | 10.66% | 12.04% (stronger) |
| Problem loans | 1.25% | 0.50% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.26% |
| Return on assets | 1.36% | 1.91% (stronger) |
| Loans ÷ deposits | 67.4% (stronger) | 72.8% |
| Uninsured deposits | 22.8% | 20.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 2 and Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.