Side-by-side · Q2 2026 data
The Citizens State Bank vs Legacy Bank
Metric by metric
| Measure | The Citizens State Bank | Legacy Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 74 |
| Capital cushion | 94 (stronger) | 56 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 88 (stronger) | 69 |
| Funding & liquidity | 92 (stronger) | 57 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 99th | 57th |
| Total assets | $450.6M | $865.0M |
| Deposits / shares | $382.3M | $721.8M |
| Capital ratio | 14.45% (stronger) | 10.55% |
| Problem loans | 0.01% (stronger) | 0.06% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.69% (stronger) | 1.22% |
| Loans ÷ deposits | 57.8% (stronger) | 93.2% |
| Uninsured deposits | 22.5% (stronger) | 24.2% |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | 4.8% |
The Citizens State Bank has the higher TellerScore (95 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank leads on 7 and Legacy Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.