Side-by-side · Q2 2026 data
Bank of Zachary vs City Bank & Trust Co.
Metric by metric
| Measure | Bank of Zachary | City Bank & Trust Co. |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 69 (stronger) | 64 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 59 | 86 (stronger) |
| Funding & liquidity | 61 | 77 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 64th | 82nd |
| Total assets | $416.0M | $382.0M |
| Deposits / shares | $359.7M | $334.0M |
| Capital ratio | 11.92% (stronger) | 11.35% |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | 0.16% (stronger) | 1.67% |
| Return on assets | 0.98% | 1.64% (stronger) |
| Loans ÷ deposits | 84.9% | 71.3% (stronger) |
| Uninsured deposits | 27.8% | 25.9% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
City Bank & Trust Co. has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bank of Zachary leads on 2 and City Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.