Side-by-side · Q2 2026 data
The Citizens State Bank and Trust Company vs Emporia State Federal Credit Union
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 | Emporia State Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 40 | 57 (stronger) |
| Loan quality | 96 (stronger) | 84 |
| Earnings | 98 (stronger) | 72 |
| Funding & liquidity | 63 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 54th | 66th |
| Total assets | $96.1M | $146.5M |
| Deposits / shares | $84.3M | $130.3M |
| Capital ratio | 8.96% | 10.74% (stronger) |
| Problem loans | 0.11% (stronger) | 0.49% |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 1.95% (stronger) | 1.31% |
| Loans ÷ deposits | 96.8% | 70.6% (stronger) |
| Uninsured deposits | 15.5% | 1.3% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Citizens State Bank and Trust Company leads on 3 and Emporia State Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.