Side-by-side · Q2 2026 data
The Citizens State Bank vs Heritage Bank
Metric by metric
| Measure | The Citizens State Bank | Heritage Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 64 |
| Capital cushion | 71 (stronger) | 49 |
| Loan quality | 81 (stronger) | 57 |
| Earnings | 93 (stronger) | 90 |
| Funding & liquidity | 76 (stronger) | 54 |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 80th | 26th |
| Total assets | $336.2M | $324.9M |
| Deposits / shares | $294.5M | $278.6M |
| Capital ratio | 12.08% (stronger) | 9.94% |
| Problem loans | 0.58% (stronger) | 1.28% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.81% (stronger) | 1.74% |
| Loans ÷ deposits | 75.3% (stronger) | 84.2% |
| Uninsured deposits | 22.9% (stronger) | 34.7% |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | — |
The Citizens State Bank has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 6 and Heritage Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.