Side-by-side · Q2 2026 data
Adrian Bank vs Citizens Bank
Metric by metric
| Measure | Adrian Bank | Citizens Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 70 |
| Capital cushion | 76 (stronger) | 27 |
| Loan quality | 83 | 93 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 82 (stronger) | 59 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 88th | 43rd |
| Total assets | $195.6M | $188.1M |
| Deposits / shares | $172.7M | $171.1M |
| Capital ratio | 12.56% (stronger) | 7.73% |
| Problem loans | 0.52% | 0.20% (stronger) |
| Net charge-offs | 0.44% | 0.01% (stronger) |
| Return on assets | 2.63% (stronger) | 2.43% |
| Loans ÷ deposits | 76.2% (stronger) | 98.5% |
| Uninsured deposits | 17.0% (stronger) | 17.4% |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Adrian Bank has the higher TellerScore (85 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Adrian Bank leads on 5 and Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Adrian, MO
- Butler, MO