Side-by-side · Q2 2026 data
The Citizens Bank of Winfield vs 22nd State Banking Company
Metric by metric
| Measure | The Citizens Bank of Winfield | 22nd State Banking Company |
|---|---|---|
| TellerScore | 83 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 91 (stronger) | 0 |
| Earnings | 37 | 40 (stronger) |
| Funding & liquidity | 86 (stronger) | 55 |
| Problem-loan coverage | 96 (stronger) | 62 |
| Peer percentile | 84th | 3rd |
| Total assets | $301.3M | $292.2M |
| Deposits / shares | $215.2M | $241.9M |
| Capital ratio | 17.51% (stronger) | 11.12% |
| Problem loans | 0.26% (stronger) | 3.39% |
| Net charge-offs | 0.47% (stronger) | 4.31% |
| Return on assets | 0.43% | 0.51% (stronger) |
| Loans ÷ deposits | 52.2% (stronger) | 87.9% |
| Uninsured deposits | 27.9% (stronger) | 30.4% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Winfield has the higher TellerScore (83 vs 41). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Winfield leads on 6 and 22nd State Banking Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.