Side-by-side · Q2 2026 data
Western National Bank vs Citizens State Bank
Metric by metric
| Measure | Western National Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 41 | 64 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 80 | 80 |
| Funding & liquidity | 73 (stronger) | 50 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 57th | 60th |
| Total assets | $257.4M | $35.6M |
| Deposits / shares | $232.0M | $27.8M |
| Capital ratio | 9.15% | 11.43% (stronger) |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.51% (stronger) | 1.49% |
| Loans ÷ deposits | 87.1% (stronger) | 112.1% |
| Uninsured deposits | 11.7% | 4.4% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Citizens State Bank has the higher TellerScore (78 vs 74). On the 6 directional measures above (where higher or lower is clearly better), Western National Bank leads on 2 and Citizens State Bank on 4. 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.