Side-by-side · Q2 2026 data
Washington State Bank vs Citizens State Bank
Metric by metric
| Measure | Washington State Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 66 |
| Capital cushion | 75 (stronger) | 65 |
| Loan quality | 84 (stronger) | 51 |
| Earnings | 76 (stronger) | 67 |
| Funding & liquidity | 66 | 86 (stronger) |
| Problem-loan coverage | 90 (stronger) | 77 |
| Peer percentile | 72nd | 31st |
| Total assets | $601.1M | $594.4M |
| Deposits / shares | $510.5M | $537.8M |
| Capital ratio | 12.48% (stronger) | 11.48% |
| Problem loans | 0.49% (stronger) | 1.46% |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 1.39% (stronger) | 1.17% |
| Loans ÷ deposits | 70.6% | 60.3% (stronger) |
| Uninsured deposits | 36.8% | 27.0% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 4.9% |
Washington State Bank has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 4 and Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.