Side-by-side · Q2 2026 data
The Citizens First National Bank of Storm Lake vs Central Bank
Bank
The Citizens First National Bank of Storm Lake
Storm Lake, Iowa · $100 million – $1 billion
Metric by metric
| Measure | The Citizens First National Bank of Storm Lake | Central Bank |
|---|---|---|
| TellerScore | 99 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 99 (stronger) | 89 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 92 (stronger) | 43 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 100th | 36th |
| Total assets | $256.5M | $2.3B |
| Deposits / shares | $210.5M | $1.9B |
| Capital ratio | 15.87% (stronger) | 10.09% |
| Problem loans | 0.03% (stronger) | 0.32% |
| Net charge-offs | -0.11% (stronger) | 0.00% |
| Return on assets | 2.50% (stronger) | 0.96% |
| Loans ÷ deposits | 64.2% (stronger) | 105.6% |
| Uninsured deposits | 18.7% (stronger) | 25.5% |
| Offices | 3 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.5% |
The Citizens First National Bank of Storm Lake has the higher TellerScore (99 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens First National Bank of Storm Lake leads on 7 and Central Bank on 0. 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.
Where both have branches
- Storm Lake, IA