Side-by-side · Q2 2026 data
The First State Bank vs Citizens State Bank
Metric by metric
| Measure | The First State Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 68 | 84 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 29 | 100 (stronger) |
| Earnings | 88 (stronger) | 53 |
| Funding & liquidity | 63 (stronger) | 61 |
| Problem-loan coverage | 78 | 95 (stronger) |
| Peer percentile | 37th | 76th |
| Total assets | $121.4M | $80.7M |
| Deposits / shares | $96.4M | $67.0M |
| Capital ratio | 13.46% | 15.98% (stronger) |
| Problem loans | 2.13% | 0.01% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 1.70% (stronger) | 0.82% |
| Loans ÷ deposits | 90.4% (stronger) | 99.5% |
| Uninsured deposits | 21.0% | 14.8% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 3 and Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.