Side-by-side · Q2 2026 data
United Bank of Iowa 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 | United Bank of Iowa | The Citizens First National Bank of Storm Lake |
|---|---|---|
| TellerScore | 73 | 99 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 72 | 92 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 70th | 100th |
| Total assets | $2.5B | $256.5M |
| Deposits / shares | $2.0B | $210.5M |
| Capital ratio | 10.34% | 15.87% (stronger) |
| Problem loans | 0.26% | 0.03% (stronger) |
| Net charge-offs | -0.01% | -0.11% (stronger) |
| Return on assets | 1.29% | 2.50% (stronger) |
| Loans ÷ deposits | 84.4% | 64.2% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 18.7% |
| Offices | 36 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
The Citizens First National Bank of Storm Lake has the higher TellerScore (99 vs 73). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Iowa leads on 1 and The Citizens First National Bank of Storm Lake on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Storm Lake, IA