Side-by-side · Q2 2026 data
The Citizens State Bank and Trust Company vs Credit Union of Emporia
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | The Citizens State Bank and Trust Company | Credit Union of Emporia |
|---|---|---|
| TellerScore | 75 | 90 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 96 (stronger) | 81 |
| Earnings | 98 (stronger) | 77 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 54th | 89th |
| Total assets | $96.1M | $42.1M |
| Deposits / shares | $84.3M | $35.4M |
| Capital ratio | 8.96% | 15.31% (stronger) |
| Problem loans | 0.11% (stronger) | 0.56% |
| Net charge-offs | 0.00% (stronger) | 0.50% |
| Return on assets | 1.95% (stronger) | 1.44% |
| Loans ÷ deposits | 96.8% | 33.9% (stronger) |
| Uninsured deposits | 15.5% | 3.2% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Credit Union of Emporia has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank and Trust Company leads on 3 and Credit Union of Emporia on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.