Side-by-side · Q2 2026 data
The State Bank of Bern vs The Citizens State Bank
Metric by metric
| Measure | The State Bank of Bern | The Citizens State Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 100 (stronger) | 57 |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 99th | 29th |
| Total assets | $128.2M | $442.4M |
| Deposits / shares | $106.7M | $381.2M |
| Capital ratio | 17.33% (stronger) | 9.76% |
| Problem loans | 0.00% (stronger) | 1.28% |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 1.56% | 2.11% (stronger) |
| Loans ÷ deposits | 64.3% (stronger) | 89.4% |
| Uninsured deposits | 23.2% (stronger) | 29.0% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Bank of Bern has the higher TellerScore (95 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Bern leads on 5 and The Citizens State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.