Side-by-side · Q2 2026 data
Sibley State Bank vs Citizens State Bank
Metric by metric
| Measure | Sibley State Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 77 | 87 (stronger) |
| Capital cushion | 60 | 75 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 76 | 90 (stronger) |
| Funding & liquidity | 88 (stronger) | 75 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 68th | 91st |
| Total assets | $104.4M | $194.7M |
| Deposits / shares | $91.5M | $166.1M |
| Capital ratio | 11.03% | 12.45% (stronger) |
| Problem loans | 0.46% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.41% | 1.74% (stronger) |
| Loans ÷ deposits | 72.1% (stronger) | 78.3% |
| Uninsured deposits | 14.5% (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 77). On the 7 directional measures above (where higher or lower is clearly better), Sibley State Bank leads on 2 and Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.