Side-by-side · Q2 2026 data
Savings Bank vs Citizens State Bank
Metric by metric
| Measure | Savings Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 80 | 87 (stronger) |
| Capital cushion | 86 (stronger) | 75 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 78 | 90 (stronger) |
| Funding & liquidity | 49 | 75 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 77th | 91st |
| Total assets | $304.8M | $194.7M |
| Deposits / shares | $242.1M | $166.1M |
| Capital ratio | 13.60% (stronger) | 12.45% |
| Problem loans | 0.32% | 0.00% (stronger) |
| Net charge-offs | 0.66% | 0.00% (stronger) |
| Return on assets | 1.44% | 1.74% (stronger) |
| Loans ÷ deposits | 93.8% | 78.3% (stronger) |
| Uninsured deposits | 30.9% | 20.7% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Savings Bank leads on 1 and Citizens State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.