Side-by-side · Q2 2026 data
The First National Bank of Livingston vs Citizens State Bank
Metric by metric
| Measure | The First National Bank of Livingston | Citizens State Bank |
|---|---|---|
| TellerScore | 98 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 98 (stronger) | 83 |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 93 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 100th | 84th |
| Total assets | $467.2M | $190.6M |
| Deposits / shares | $398.3M | $165.7M |
| Capital ratio | 15.54% (stronger) | 12.04% |
| Problem loans | 0.05% (stronger) | 0.50% |
| Net charge-offs | 0.02% (stronger) | 0.26% |
| Return on assets | 2.36% (stronger) | 1.91% |
| Loans ÷ deposits | 56.1% (stronger) | 72.8% |
| Uninsured deposits | 21.2% | 20.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Livingston has the higher TellerScore (98 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Livingston leads on 6 and Citizens State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.