Side-by-side · Q2 2026 data
St. Clair County State Bank vs Citizens Bank of the Midwest
Metric by metric
| Measure | St. Clair County State Bank | Citizens Bank of the Midwest |
|---|---|---|
| TellerScore | 87 (stronger) | 55 |
| Capital cushion | 85 (stronger) | 34 |
| Loan quality | 92 (stronger) | 89 |
| Earnings | 94 (stronger) | 61 |
| Funding & liquidity | 69 (stronger) | 56 |
| Problem-loan coverage | 97 (stronger) | 24 |
| Peer percentile | 91st | 11th |
| Total assets | $231.8M | $238.3M |
| Deposits / shares | $195.7M | $191.6M |
| Capital ratio | 13.51% (stronger) | 8.39% |
| Problem loans | 0.24% (stronger) | 0.33% |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 1.85% (stronger) | 1.03% |
| Loans ÷ deposits | 90.1% | 85.5% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 31.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Clair County State Bank has the higher TellerScore (87 vs 55). On the 7 directional measures above (where higher or lower is clearly better), St. Clair County State Bank leads on 5 and Citizens Bank of the Midwest on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.