Side-by-side · Q2 2026 data
The Citizens State Bank vs First Commerce Bank
Metric by metric
| Measure | The Citizens State Bank | First Commerce Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 79 |
| Capital cushion | 85 (stronger) | 68 |
| Loan quality | 90 | 91 (stronger) |
| Earnings | 64 | 90 (stronger) |
| Funding & liquidity | 65 (stronger) | 55 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 77th | 75th |
| Total assets | $137.5M | $138.5M |
| Deposits / shares | $118.4M | $120.6M |
| Capital ratio | 13.54% (stronger) | 11.79% |
| Problem loans | 0.30% | 0.26% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.09% | 1.75% (stronger) |
| Loans ÷ deposits | 58.8% (stronger) | 93.1% |
| Uninsured deposits | 46.9% | 26.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens State Bank has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 3 and First Commerce Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.