Side-by-side · Q2 2026 data
The Citizens State Bank and Trust Company vs The Farmers State Bank
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 | The Farmers State Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 48 |
| Capital cushion | 40 | 55 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 98 (stronger) | 53 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 61 |
| Peer percentile | 54th | 8th |
| Total assets | $96.1M | $19.5M |
| Deposits / shares | $84.3M | $17.4M |
| Capital ratio | 8.96% | 10.47% (stronger) |
| Problem loans | 0.11% (stronger) | 6.76% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.95% (stronger) | 0.83% |
| Loans ÷ deposits | 96.8% | 36.0% (stronger) |
| Uninsured deposits | 15.5% | 4.4% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens State Bank and Trust Company has the higher TellerScore (75 vs 48). On the 6 directional measures above (where higher or lower is clearly better), The Citizens State Bank and Trust Company leads on 3 and The Farmers State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.