Side-by-side · Q2 2026 data
The Citizens State Bank vs Cottonwood Valley Bank
Metric by metric
| Measure | The Citizens State Bank | Cottonwood Valley Bank |
|---|---|---|
| TellerScore | 81 | 90 (stronger) |
| Capital cushion | 71 | 94 (stronger) |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 93 (stronger) | 57 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 80th | 89th |
| Total assets | $336.2M | $38.1M |
| Deposits / shares | $294.5M | $32.7M |
| Capital ratio | 12.08% | 14.39% (stronger) |
| Problem loans | 0.58% | 0.00% (stronger) |
| Net charge-offs | -0.00% | -0.16% (stronger) |
| Return on assets | 1.81% (stronger) | 0.93% |
| Loans ÷ deposits | 75.3% | 17.9% (stronger) |
| Uninsured deposits | 22.9% | 10.7% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | — |
Cottonwood Valley Bank has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 1 and Cottonwood Valley Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cottonwood Falls, KS