Side-by-side · Q2 2026 data
The State Bank of Faribault vs Citizens Bank & Trust Co.
Metric by metric
| Measure | The State Bank of Faribault | Citizens Bank & Trust Co. |
|---|---|---|
| TellerScore | 71 (stronger) | 69 |
| Capital cushion | 43 (stronger) | 36 |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 65 | 68 (stronger) |
| Funding & liquidity | 85 (stronger) | 84 |
| Problem-loan coverage | 80 | 93 (stronger) |
| Peer percentile | 47th | 40th |
| Total assets | $329.2M | $329.0M |
| Deposits / shares | $301.4M | $297.4M |
| Capital ratio | 9.31% (stronger) | 8.63% |
| Problem loans | 0.13% (stronger) | 0.26% |
| Net charge-offs | -0.06% (stronger) | 0.09% |
| Return on assets | 1.14% | 1.21% (stronger) |
| Loans ÷ deposits | 58.4% | 55.2% (stronger) |
| Uninsured deposits | 28.7% (stronger) | 29.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Bank of Faribault has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Faribault leads on 5 and Citizens Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.