Side-by-side · Q2 2026 data
The First National Bank of Hope vs The Citizens State Bank and Trust Company
Bank
The Citizens State Bank and Trust Company
Council Grove, Kansas · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of Hope | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 88 (stronger) | 40 |
| Loan quality | 56 | 96 (stronger) |
| Earnings | 53 | 98 (stronger) |
| Funding & liquidity | 100 (stronger) | 63 |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 54th | 54th |
| Total assets | $83.4M | $96.1M |
| Deposits / shares | $74.1M | $84.3M |
| Capital ratio | 13.81% (stronger) | 8.96% |
| Problem loans | 1.33% | 0.11% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 0.82% | 1.95% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 96.8% |
| Uninsured deposits | 13.1% (stronger) | 15.5% |
| Offices | 3 | 7 |
| 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 of Hope leads on 3 and The Citizens State Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.