Side-by-side · Q2 2026 data
Pointbank vs Citizens State Bank
Metric by metric
| Measure | Pointbank | Citizens State Bank |
|---|---|---|
| TellerScore | 53 | 66 (stronger) |
| Capital cushion | 40 | 79 (stronger) |
| Loan quality | 41 (stronger) | 34 |
| Earnings | 58 | 86 (stronger) |
| Funding & liquidity | 78 (stronger) | 60 |
| Problem-loan coverage | 77 | 77 |
| Peer percentile | 11th | 40th |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $968.3M | $1.1B |
| Capital ratio | 8.99% | 12.95% (stronger) |
| Problem loans | 1.77% (stronger) | 1.99% |
| Net charge-offs | 0.10% (stronger) | 0.29% |
| Return on assets | 0.95% | 1.65% (stronger) |
| Loans ÷ deposits | 60.2% (stronger) | 71.6% |
| Uninsured deposits | 35.0% (stronger) | 40.8% |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | 6.7% |
Citizens State Bank has the higher TellerScore (66 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Pointbank leads on 4 and Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.