Side-by-side · Q2 2026 data
The Lyndon State Bank 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 Lyndon State Bank | The Citizens State Bank and Trust Company |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 45 (stronger) | 40 |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 91 | 98 (stronger) |
| Funding & liquidity | 50 | 63 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 47th | 54th |
| Total assets | $115.1M | $96.1M |
| Deposits / shares | $85.1M | $84.3M |
| Capital ratio | 9.51% (stronger) | 8.96% |
| Problem loans | 0.28% | 0.11% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.77% | 1.95% (stronger) |
| Loans ÷ deposits | 114.0% | 96.8% (stronger) |
| Uninsured deposits | 14.8% (stronger) | 15.5% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens State Bank and Trust Company has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Lyndon State Bank leads on 2 and The Citizens State Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.