Side-by-side · Q2 2026 data
The State Bank of Toledo vs Citizens State Bank
Metric by metric
| Measure | The State Bank of Toledo | Citizens State Bank |
|---|---|---|
| TellerScore | 52 | 91 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 32 | 92 (stronger) |
| Earnings | 63 | 79 (stronger) |
| Funding & liquidity | 66 | 84 (stronger) |
| Problem-loan coverage | 67 | 98 (stronger) |
| Peer percentile | 8th | 96th |
| Total assets | $134.6M | $137.7M |
| Deposits / shares | $120.2M | $112.0M |
| Capital ratio | 9.83% | 17.93% (stronger) |
| Problem loans | 2.04% | 0.25% (stronger) |
| Net charge-offs | 0.27% | 0.14% (stronger) |
| Return on assets | 1.07% | 1.47% (stronger) |
| Loans ÷ deposits | 89.9% | 68.7% (stronger) |
| Uninsured deposits | 18.6% (stronger) | 21.5% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (91 vs 52). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Toledo leads on 1 and Citizens State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.