Side-by-side · Q2 2026 data
The First National Bank in Cimarron vs The Citizens State Bank
Metric by metric
| Measure | The First National Bank in Cimarron | The Citizens State Bank |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 46 | 85 (stronger) |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 88 (stronger) | 65 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 77th | 77th |
| Total assets | $143.5M | $137.5M |
| Deposits / shares | $131.3M | $118.4M |
| Capital ratio | 9.60% | 13.54% (stronger) |
| Problem loans | 0.25% (stronger) | 0.30% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.10% (stronger) | 1.09% |
| Loans ÷ deposits | 53.4% (stronger) | 58.8% |
| Uninsured deposits | 25.6% (stronger) | 46.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First National Bank in Cimarron leads on 5 and The Citizens State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.