Side-by-side · Q2 2026 data
The Citizens State Bank vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | The Citizens State Bank | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 65 | 75 (stronger) |
| Capital cushion | 48 (stronger) | 40 |
| Loan quality | 57 | 96 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 55 | 63 (stronger) |
| Problem-loan coverage | 77 | 98 (stronger) |
| Peer percentile | 29th | 54th |
| Total assets | $442.4M | $96.1M |
| Deposits / shares | $381.2M | $84.3M |
| Capital ratio | 9.76% (stronger) | 8.96% |
| Problem loans | 1.28% | 0.11% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 2.11% (stronger) | 1.95% |
| Loans ÷ deposits | 89.4% (stronger) | 96.8% |
| Uninsured deposits | 29.0% | 15.5% (stronger) |
| Offices | 4 | 7 |
| 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 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 4 and The Citizens State Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.