Side-by-side · Q2 2026 data
Sainte Marie State Bank vs Citizens National Bank of Albion
Metric by metric
| Measure | Sainte Marie State Bank | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 82 |
| Earnings | 0 | 80 (stronger) |
| Funding & liquidity | 90 (stronger) | 80 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 56th | 92nd |
| Total assets | $23.0M | $348.5M |
| Deposits / shares | $19.2M | $283.9M |
| Capital ratio | 15.83% | 17.35% (stronger) |
| Problem loans | 0.31% (stronger) | 0.54% |
| Net charge-offs | 0.40% | 0.14% (stronger) |
| Return on assets | -0.74% | 1.51% (stronger) |
| Loans ÷ deposits | 46.5% (stronger) | 78.5% |
| Uninsured deposits | 24.1% | 16.8% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Sainte Marie State Bank leads on 2 and Citizens National Bank of Albion on 5. 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.