Side-by-side · Q2 2026 data
The Citizens State Bank vs Bank of Commerce
Metric by metric
| Measure | The Citizens State Bank | Bank of Commerce |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 71 (stronger) | 42 |
| Loan quality | 81 | 98 (stronger) |
| Earnings | 93 (stronger) | 78 |
| Funding & liquidity | 76 (stronger) | 74 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 80th | 57th |
| Total assets | $336.2M | $497.5M |
| Deposits / shares | $294.5M | $439.3M |
| Capital ratio | 12.08% (stronger) | 9.19% |
| Problem loans | 0.58% | 0.05% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.81% (stronger) | 1.46% |
| Loans ÷ deposits | 75.3% | 75.2% (stronger) |
| Uninsured deposits | 22.9% (stronger) | 25.4% |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | 11.9% |
The Citizens State Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 4 and Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.