Side-by-side · Q2 2026 data
State Bank & Trust Co. vs Citizens State Bank
Metric by metric
| Measure | State Bank & Trust Co. | Citizens State Bank |
|---|---|---|
| TellerScore | 70 | 87 (stronger) |
| Capital cushion | 60 | 75 (stronger) |
| Loan quality | 57 | 100 (stronger) |
| Earnings | 78 | 90 (stronger) |
| Funding & liquidity | 88 (stronger) | 75 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 43rd | 91st |
| Total assets | $197.6M | $194.7M |
| Deposits / shares | $174.3M | $166.1M |
| Capital ratio | 11.03% | 12.45% (stronger) |
| Problem loans | 1.30% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.44% | 1.74% (stronger) |
| Loans ÷ deposits | 58.3% (stronger) | 78.3% |
| Uninsured deposits | 25.7% | 20.7% (stronger) |
| 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), State Bank & Trust Co. leads on 1 and Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.