Side-by-side · Q2 2026 data
Sanborn Savings Bank vs Citizens State Bank
Metric by metric
| Measure | Sanborn Savings Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 70 | 87 (stronger) |
| Capital cushion | 43 | 75 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 67 | 90 (stronger) |
| Funding & liquidity | 55 | 75 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 40th | 91st |
| Total assets | $92.7M | $194.7M |
| Deposits / shares | $66.6M | $166.1M |
| Capital ratio | 9.26% | 12.45% (stronger) |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.16% | 1.74% (stronger) |
| Loans ÷ deposits | 99.9% | 78.3% (stronger) |
| Uninsured deposits | 19.9% (stronger) | 20.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (87 vs 70). On the 6 directional measures above (where higher or lower is clearly better), Sanborn Savings Bank leads on 1 and Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.