Side-by-side · Q2 2026 data
The Napoleon State Bank vs Civista Bank
Metric by metric
| Measure | The Napoleon State Bank | Civista Bank |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 61 | 77 (stronger) |
| Loan quality | 63 | 69 (stronger) |
| Earnings | 79 (stronger) | 78 |
| Funding & liquidity | 77 (stronger) | 64 |
| Problem-loan coverage | 86 | 91 (stronger) |
| Peer percentile | 43rd | 77th |
| Total assets | $499.2M | $4.3B |
| Deposits / shares | $440.4M | $3.5B |
| Capital ratio | 11.07% | 12.71% (stronger) |
| Problem loans | 1.10% | 0.92% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 1.47% (stronger) | 1.45% |
| Loans ÷ deposits | 81.8% (stronger) | 92.4% |
| Uninsured deposits | 16.0% (stronger) | 18.3% |
| Offices | 7 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Civista Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Napoleon State Bank leads on 4 and Civista Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Milan, IN
- Osgood, IN