Side-by-side · Q2 2026 data
The Citizens State Bank and Trust Company vs United Bank & Trust
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 | United Bank & Trust |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 40 | 65 (stronger) |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 98 (stronger) | 81 |
| Funding & liquidity | 63 (stronger) | 58 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 54th | 75th |
| Total assets | $96.1M | $892.9M |
| Deposits / shares | $84.3M | $714.1M |
| Capital ratio | 8.96% | 11.51% (stronger) |
| Problem loans | 0.11% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.95% (stronger) | 1.53% |
| Loans ÷ deposits | 96.8% | 92.9% (stronger) |
| Uninsured deposits | 15.5% (stronger) | 23.5% |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
United Bank & Trust has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank and Trust Company leads on 2 and United Bank & Trust on 5. 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.