Side-by-side · Q2 2026 data
State Bank of De Kalb vs Citizens State Bank
Metric by metric
| Measure | State Bank of De Kalb | Citizens State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 76 |
| Capital cushion | 72 (stronger) | 53 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 54 | 67 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 82nd | 64th |
| Total assets | $519.9M | $507.0M |
| Deposits / shares | $455.1M | $456.6M |
| Capital ratio | 12.17% (stronger) | 10.35% |
| Problem loans | 0.24% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 2.29% (stronger) | 1.42% |
| Loans ÷ deposits | 83.5% | 68.5% (stronger) |
| Uninsured deposits | 35.8% (stronger) | 37.4% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of De Kalb has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), State Bank of De Kalb leads on 4 and Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.