Side-by-side · Q2 2026 data
State Bank of Toulon vs Citizens National Bank of Albion
Metric by metric
| Measure | State Bank of Toulon | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 96 (stronger) | 82 |
| Earnings | 76 | 80 (stronger) |
| Funding & liquidity | 74 | 80 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 68th | 92nd |
| Total assets | $343.4M | $348.5M |
| Deposits / shares | $298.6M | $283.9M |
| Capital ratio | 10.46% | 17.35% (stronger) |
| Problem loans | 0.13% (stronger) | 0.54% |
| Net charge-offs | 0.05% (stronger) | 0.14% |
| Return on assets | 1.39% | 1.51% (stronger) |
| Loans ÷ deposits | 73.9% (stronger) | 78.5% |
| Uninsured deposits | 26.3% | 16.8% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Toulon leads on 3 and Citizens National Bank of Albion on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.