Side-by-side · Q2 2026 data
The Citizens State Bank vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | The Citizens State Bank | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 81 (stronger) | 75 |
| Capital cushion | 71 (stronger) | 40 |
| Loan quality | 81 | 96 (stronger) |
| Earnings | 93 | 98 (stronger) |
| Funding & liquidity | 76 (stronger) | 63 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 80th | 54th |
| Total assets | $336.2M | $96.1M |
| Deposits / shares | $294.5M | $84.3M |
| Capital ratio | 12.08% (stronger) | 8.96% |
| Problem loans | 0.58% | 0.11% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.81% | 1.95% (stronger) |
| Loans ÷ deposits | 75.3% (stronger) | 96.8% |
| Uninsured deposits | 22.9% | 15.5% (stronger) |
| Offices | 10 | 7 |
| 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 The Citizens State Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.