Side-by-side · Q2 2026 data
The Citizens State Bank and Trust Company vs The Stock Exchange Bank, Caldwell, Kansas
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Bank
The Stock Exchange Bank, Caldwell, Kansas
Caldwell, Kansas · Under $100 million in assets
Metric by metric
| Measure | The Citizens State Bank and Trust Company | The Stock Exchange Bank, Caldwell, Kansas |
|---|---|---|
| TellerScore | 75 (stronger) | 60 |
| Capital cushion | 40 | 40 |
| Loan quality | 96 (stronger) | 66 |
| Earnings | 98 (stronger) | 72 |
| Funding & liquidity | 63 (stronger) | 57 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 54th | 18th |
| Total assets | $96.1M | $90.3M |
| Deposits / shares | $84.3M | $81.8M |
| Capital ratio | 8.96% | 9.01% (stronger) |
| Problem loans | 0.11% (stronger) | 1.03% |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 1.95% (stronger) | 1.31% |
| Loans ÷ deposits | 96.8% | 92.0% (stronger) |
| Uninsured deposits | 15.5% (stronger) | 25.1% |
| Offices | 7 | 2 |
| 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 60). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank and Trust Company leads on 4 and The Stock Exchange Bank, Caldwell, Kansas on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.