Side-by-side · Q2 2026 data
Bank of Commerce vs Citizens Bank & Trust Co.
Metric by metric
| Measure | Bank of Commerce | Citizens Bank & Trust Co. |
|---|---|---|
| TellerScore | 72 (stronger) | 53 |
| Capital cushion | 79 | 90 (stronger) |
| Loan quality | 71 (stronger) | 0 |
| Earnings | 65 (stronger) | 57 |
| Funding & liquidity | 59 | 65 (stronger) |
| Problem-loan coverage | 91 (stronger) | 49 |
| Peer percentile | 66th | 12th |
| Total assets | $1.1B | $98.6M |
| Deposits / shares | $996.2M | $83.0M |
| Capital ratio | 12.85% | 14.00% (stronger) |
| Problem loans | 0.88% (stronger) | 5.50% |
| Net charge-offs | 0.14% (stronger) | 0.72% |
| Return on assets | 1.13% (stronger) | 0.92% |
| Loans ÷ deposits | 65.2% (stronger) | 83.2% |
| Uninsured deposits | 47.2% | 25.8% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.1% | — |
Bank of Commerce has the higher TellerScore (72 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Bank of Commerce leads on 5 and Citizens Bank & Trust Co. on 2. 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.