Side-by-side · Q2 2026 data
The Citizens State Bank vs Emporia State Federal Credit Union
Metric by metric
| Measure | The Citizens State Bank | Emporia State Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 75 |
| Capital cushion | 71 (stronger) | 57 |
| Loan quality | 81 | 84 (stronger) |
| Earnings | 93 (stronger) | 72 |
| Funding & liquidity | 76 | 90 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 80th | 66th |
| Total assets | $336.2M | $146.5M |
| Deposits / shares | $294.5M | $130.3M |
| Capital ratio | 12.08% (stronger) | 10.74% |
| Problem loans | 0.58% | 0.49% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.11% |
| Return on assets | 1.81% (stronger) | 1.31% |
| Loans ÷ deposits | 75.3% | 70.6% (stronger) |
| Uninsured deposits | 22.9% | 1.3% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | — |
The Citizens State Bank has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 4 and Emporia State Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.