Side-by-side · Q2 2026 data
The Shelby County State Bank vs The Citizens First National Bank of Storm Lake
Bank
The Citizens First National Bank of Storm Lake
Storm Lake, Iowa · $100 million – $1 billion
Metric by metric
| Measure | The Shelby County State Bank | The Citizens First National Bank of Storm Lake |
|---|---|---|
| TellerScore | 74 | 99 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 87 | 99 (stronger) |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 83 | 92 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 57th | 100th |
| Total assets | $523.6M | $256.5M |
| Deposits / shares | $462.9M | $210.5M |
| Capital ratio | 10.00% | 15.87% (stronger) |
| Problem loans | 0.40% | 0.03% (stronger) |
| Net charge-offs | 0.04% | -0.11% (stronger) |
| Return on assets | 1.43% | 2.50% (stronger) |
| Loans ÷ deposits | 74.9% | 64.2% (stronger) |
| Uninsured deposits | 16.9% (stronger) | 18.7% |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens First National Bank of Storm Lake has the higher TellerScore (99 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Shelby County State Bank leads on 1 and The Citizens First National Bank of Storm Lake on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.