Side-by-side · Q2 2026 data
Bank of Sunset and Trust Company vs Citizens Bank & Trust Company
Metric by metric
| Measure | Bank of Sunset and Trust Company | Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 76 (stronger) | 41 |
| Capital cushion | 64 (stronger) | 61 |
| Loan quality | 81 (stronger) | 0 |
| Earnings | 89 (stronger) | 45 |
| Funding & liquidity | 63 | 84 (stronger) |
| Problem-loan coverage | 88 (stronger) | 15 |
| Peer percentile | 64th | 3rd |
| Total assets | $192.3M | $183.7M |
| Deposits / shares | $169.1M | $162.2M |
| Capital ratio | 11.37% (stronger) | 11.14% |
| Problem loans | 0.58% (stronger) | 7.15% |
| Net charge-offs | 0.23% | 0.20% (stronger) |
| Return on assets | 1.73% (stronger) | 0.63% |
| Loans ÷ deposits | 89.5% | 70.3% (stronger) |
| Uninsured deposits | 22.2% | 20.1% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Sunset and Trust Company has the higher TellerScore (76 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Bank of Sunset and Trust Company leads on 4 and Citizens Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.