Side-by-side · Q2 2026 data
The Citizens State Bank vs The Bendena State Bank
Metric by metric
| Measure | The Citizens State Bank | The Bendena State Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 77 |
| Capital cushion | 85 (stronger) | 50 |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 64 | 85 (stronger) |
| Funding & liquidity | 65 | 68 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 77th | 68th |
| Total assets | $137.5M | $131.5M |
| Deposits / shares | $118.4M | $114.7M |
| Capital ratio | 13.54% (stronger) | 9.96% |
| Problem loans | 0.30% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.09% | 1.64% (stronger) |
| Loans ÷ deposits | 58.8% (stronger) | 74.8% |
| Uninsured deposits | 46.9% | 30.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.5% |
The Citizens State Bank has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 3 and The Bendena State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.