Side-by-side · Q2 2026 data
The Denison State Bank vs The Citizens State Bank
Metric by metric
| Measure | The Denison State Bank | The Citizens State Bank |
|---|---|---|
| TellerScore | 87 | 95 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 64 | 100 (stronger) |
| Earnings | 100 (stronger) | 88 |
| Funding & liquidity | 78 | 92 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 91st | 99th |
| Total assets | $453.6M | $450.6M |
| Deposits / shares | $369.3M | $382.3M |
| Capital ratio | 17.53% (stronger) | 14.45% |
| Problem loans | 1.08% | 0.01% (stronger) |
| Net charge-offs | 0.81% | 0.00% (stronger) |
| Return on assets | 2.00% (stronger) | 1.69% |
| Loans ÷ deposits | 81.4% | 57.8% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 22.5% |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | 3.3% |
The Citizens State Bank has the higher TellerScore (95 vs 87). On the 7 directional measures above (where higher or lower is clearly better), The Denison State Bank leads on 3 and The Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.