Side-by-side · Q2 2026 data
The Citizens State Bank vs Astra Bank
Metric by metric
| Measure | The Citizens State Bank | Astra Bank |
|---|---|---|
| TellerScore | 65 | 70 (stronger) |
| Capital cushion | 48 (stronger) | 43 |
| Loan quality | 57 | 99 (stronger) |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 55 | 94 (stronger) |
| Problem-loan coverage | 77 | 99 (stronger) |
| Peer percentile | 29th | 43rd |
| Total assets | $442.4M | $423.3M |
| Deposits / shares | $381.2M | $372.0M |
| Capital ratio | 9.76% (stronger) | 9.27% |
| Problem loans | 1.28% | 0.03% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.10% |
| Return on assets | 2.11% (stronger) | 0.59% |
| Loans ÷ deposits | 89.4% | 58.4% (stronger) |
| Uninsured deposits | 29.0% | 20.2% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Astra Bank has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 3 and Astra Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.