Side-by-side · Q2 2026 data
Atkins Savings Bank & Trust vs Citizens Savings Bank
Metric by metric
| Measure | Atkins Savings Bank & Trust | Citizens Savings Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 74 |
| Capital cushion | 69 (stronger) | 45 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 80 (stronger) | 61 |
| Funding & liquidity | 77 | 86 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 84th | 57th |
| Total assets | $172.2M | $165.9M |
| Deposits / shares | $146.2M | $151.3M |
| Capital ratio | 11.91% (stronger) | 9.50% |
| Problem loans | 0.05% | 0.00% (stronger) |
| Net charge-offs | 0.25% | -0.01% (stronger) |
| Return on assets | 1.50% (stronger) | 1.02% |
| Loans ÷ deposits | 83.1% | 45.4% (stronger) |
| Uninsured deposits | 14.9% (stronger) | 27.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Atkins Savings Bank & Trust has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Atkins Savings Bank & Trust leads on 4 and Citizens Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.