Side-by-side · Q2 2026 data
Caldwell Bank & Trust Company vs Citizens Savings Bank
Metric by metric
| Measure | Caldwell Bank & Trust Company | Citizens Savings Bank |
|---|---|---|
| TellerScore | 41 | 81 (stronger) |
| Capital cushion | 50 | 93 (stronger) |
| Loan quality | 5 | 75 (stronger) |
| Earnings | 59 | 71 (stronger) |
| Funding & liquidity | 52 | 72 (stronger) |
| Problem-loan coverage | 55 | 91 (stronger) |
| Peer percentile | 3rd | 80th |
| Total assets | $298.6M | $329.1M |
| Deposits / shares | $257.6M | $282.4M |
| Capital ratio | 10.03% | 14.33% (stronger) |
| Problem loans | 2.86% | 0.74% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.17% |
| Return on assets | 0.98% | 1.28% (stronger) |
| Loans ÷ deposits | 87.6% (stronger) | 87.9% |
| Uninsured deposits | 34.0% | 11.0% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Citizens Savings Bank has the higher TellerScore (81 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Caldwell Bank & Trust Company leads on 2 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.