Side-by-side · Q2 2026 data
The Citizens State Bank vs The Denison State Bank
Metric by metric
| Measure | The Citizens State Bank | The Denison State Bank |
|---|---|---|
| TellerScore | 65 | 87 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 57 | 64 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 55 | 78 (stronger) |
| Problem-loan coverage | 77 | 92 (stronger) |
| Peer percentile | 29th | 91st |
| Total assets | $442.4M | $453.6M |
| Deposits / shares | $381.2M | $369.3M |
| Capital ratio | 9.76% | 17.53% (stronger) |
| Problem loans | 1.28% | 1.08% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.81% |
| Return on assets | 2.11% (stronger) | 2.00% |
| Loans ÷ deposits | 89.4% | 81.4% (stronger) |
| Uninsured deposits | 29.0% | 16.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.2% |
The Denison State Bank has the higher TellerScore (87 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 2 and The Denison State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.