Side-by-side · Q2 2026 data
Waumandee State Bank vs Citizens First Bank
Metric by metric
| Measure | Waumandee State Bank | Citizens First Bank |
|---|---|---|
| TellerScore | 67 | 75 (stronger) |
| Capital cushion | 44 | 53 (stronger) |
| Loan quality | 80 | 85 (stronger) |
| Earnings | 66 | 97 (stronger) |
| Funding & liquidity | 77 (stronger) | 57 |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 34th | 61st |
| Total assets | $345.5M | $344.5M |
| Deposits / shares | $301.2M | $283.1M |
| Capital ratio | 9.39% | 10.26% (stronger) |
| Problem loans | 0.60% | 0.44% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.16% | 1.93% (stronger) |
| Loans ÷ deposits | 83.2% (stronger) | 89.1% |
| Uninsured deposits | 9.4% (stronger) | 28.3% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens First Bank has the higher TellerScore (75 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Waumandee State Bank leads on 2 and Citizens First Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.