Side-by-side · Q2 2026 data
Teutopolis State Bank vs Citizens National Bank of Albion
Metric by metric
| Measure | Teutopolis State Bank | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 97 (stronger) | 88 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 91 (stronger) | 80 |
| Funding & liquidity | 98 (stronger) | 80 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 100th | 92nd |
| Total assets | $358.5M | $348.5M |
| Deposits / shares | $309.0M | $283.9M |
| Capital ratio | 14.72% | 17.35% (stronger) |
| Problem loans | 0.00% (stronger) | 0.54% |
| Net charge-offs | -0.01% (stronger) | 0.14% |
| Return on assets | 1.77% (stronger) | 1.51% |
| Loans ÷ deposits | 58.4% (stronger) | 78.5% |
| Uninsured deposits | 16.7% (stronger) | 16.8% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Teutopolis State Bank has the higher TellerScore (97 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Teutopolis State Bank leads on 6 and Citizens National Bank of Albion on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.