Side-by-side · Q2 2026 data
State Bank of Toulon vs Citizens Equity First Credit Union
Metric by metric
| Measure | State Bank of Toulon | Citizens Equity First Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 71 |
| Capital cushion | 55 | 67 (stronger) |
| Loan quality | 96 (stronger) | 68 |
| Earnings | 76 (stronger) | 73 |
| Funding & liquidity | 74 (stronger) | 73 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 68th | 62nd |
| Total assets | $343.4M | $8.5B |
| Deposits / shares | $298.6M | $7.4B |
| Capital ratio | 10.46% | 11.65% (stronger) |
| Problem loans | 0.13% (stronger) | 0.96% |
| Net charge-offs | 0.05% (stronger) | 0.71% |
| Return on assets | 1.39% (stronger) | 1.33% |
| Loans ÷ deposits | 73.9% (stronger) | 87.4% |
| Uninsured deposits | 26.3% | 8.9% (stronger) |
| Offices | 3 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
State Bank of Toulon has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Toulon leads on 5 and Citizens Equity First Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.