Side-by-side · Q2 2026 data
The Citizens State Bank vs The Union State Bank of Everest
Metric by metric
| Measure | The Citizens State Bank | The Union State Bank of Everest |
|---|---|---|
| TellerScore | 65 | 68 (stronger) |
| Capital cushion | 48 | 50 (stronger) |
| Loan quality | 57 | 65 (stronger) |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 55 | 75 (stronger) |
| Problem-loan coverage | 77 | 85 (stronger) |
| Peer percentile | 29th | 37th |
| Total assets | $442.4M | $427.3M |
| Deposits / shares | $381.2M | $382.0M |
| Capital ratio | 9.76% | 9.99% (stronger) |
| Problem loans | 1.28% | 1.06% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 2.11% (stronger) | 1.62% |
| Loans ÷ deposits | 89.4% | 80.8% (stronger) |
| Uninsured deposits | 29.0% | 19.1% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
The Union State Bank of Everest has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 2 and The Union State Bank of Everest on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.