Side-by-side · Q2 2026 data
Union State Bank vs Citizens Savings Bank
Metric by metric
| Measure | Union State Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 43 | 45 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 77 (stronger) | 61 |
| Funding & liquidity | 83 | 86 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 47th | 57th |
| Total assets | $168.7M | $165.9M |
| Deposits / shares | $142.5M | $151.3M |
| Capital ratio | 9.28% | 9.50% (stronger) |
| Problem loans | 0.51% | 0.00% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 1.41% (stronger) | 1.02% |
| Loans ÷ deposits | 73.5% | 45.4% (stronger) |
| Uninsured deposits | 18.0% (stronger) | 27.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Savings Bank has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Union State Bank leads on 2 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.