Side-by-side · Q2 2026 data
Altoona First Savings Bank vs Citizens Savings Bank
Metric by metric
| Measure | Altoona First Savings Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 60 | 78 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 4 | 91 (stronger) |
| Earnings | 55 (stronger) | 30 |
| Funding & liquidity | 87 (stronger) | 62 |
| Problem-loan coverage | 75 | 97 (stronger) |
| Peer percentile | 19th | 72nd |
| Total assets | $328.6M | $359.0M |
| Deposits / shares | $278.8M | $304.0M |
| Capital ratio | 14.14% | 15.12% (stronger) |
| Problem loans | 2.87% | 0.27% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.87% (stronger) | 0.24% |
| Loans ÷ deposits | 73.3% (stronger) | 98.1% |
| Uninsured deposits | 5.7% (stronger) | 6.7% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
Citizens Savings Bank has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Altoona First Savings Bank leads on 3 and Citizens Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.