Side-by-side · Q2 2026 data
The Citizens State Bank vs The Citizens State Bank
Metric by metric
| Measure | The Citizens State Bank | The Citizens State Bank |
|---|---|---|
| TellerScore | 65 | 95 (stronger) |
| Capital cushion | 48 | 94 (stronger) |
| Loan quality | 57 | 100 (stronger) |
| Earnings | 100 (stronger) | 88 |
| Funding & liquidity | 55 | 92 (stronger) |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 29th | 99th |
| Total assets | $442.4M | $450.6M |
| Deposits / shares | $381.2M | $382.3M |
| Capital ratio | 9.76% | 14.45% (stronger) |
| Problem loans | 1.28% | 0.01% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 2.11% (stronger) | 1.69% |
| Loans ÷ deposits | 89.4% | 57.8% (stronger) |
| Uninsured deposits | 29.0% | 22.5% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
The Citizens State Bank has the higher TellerScore (95 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 2 and The Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.