Side-by-side · Q2 2026 data
Robert Lee State Bank vs Citizens State Bank
Metric by metric
| Measure | Robert Lee State Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 64 | 75 (stronger) |
| Capital cushion | 91 (stronger) | 57 |
| Loan quality | 30 | 85 (stronger) |
| Earnings | 32 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 50 |
| Problem-loan coverage | 90 | 90 |
| Peer percentile | 24th | 61st |
| Total assets | $42.9M | $270.1M |
| Deposits / shares | $37.2M | $239.6M |
| Capital ratio | 14.09% (stronger) | 10.74% |
| Problem loans | 2.09% | 0.44% (stronger) |
| Net charge-offs | 0.55% | 0.38% (stronger) |
| Return on assets | 0.30% | 2.55% (stronger) |
| Loans ÷ deposits | 38.9% (stronger) | 87.4% |
| Uninsured deposits | 23.4% (stronger) | 35.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Robert Lee State Bank leads on 3 and Citizens State Bank on 4. 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.