Side-by-side · Q2 2026 data
The Citizens State Bank vs Patriots Bank
Metric by metric
| Measure | The Citizens State Bank | Patriots Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 77 |
| Capital cushion | 71 (stronger) | 42 |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 93 (stronger) | 92 |
| Funding & liquidity | 76 (stronger) | 73 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 80th | 68th |
| Total assets | $336.2M | $268.8M |
| Deposits / shares | $294.5M | $233.4M |
| Capital ratio | 12.08% (stronger) | 9.20% |
| Problem loans | 0.58% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.81% (stronger) | 1.81% |
| Loans ÷ deposits | 75.3% (stronger) | 86.8% |
| Uninsured deposits | 22.9% | 12.9% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | 0.0% |
The Citizens State Bank has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 5 and Patriots Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.