Side-by-side · Q2 2026 data
Chambers Bank vs Citizens' Bank & Trust Co.
Metric by metric
| Measure | Chambers Bank | Citizens' Bank & Trust Co. |
|---|---|---|
| TellerScore | 81 | 82 (stronger) |
| Capital cushion | 76 (stronger) | 68 |
| Loan quality | 92 | 93 (stronger) |
| Earnings | 91 (stronger) | 82 |
| Funding & liquidity | 46 | 81 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 91st | 82nd |
| Total assets | $1.6B | $566.4M |
| Deposits / shares | $1.3B | $503.2M |
| Capital ratio | 12.57% (stronger) | 11.78% |
| Problem loans | 0.23% | 0.20% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.10% |
| Return on assets | 1.76% (stronger) | 1.55% |
| Loans ÷ deposits | 86.7% | 60.8% (stronger) |
| Uninsured deposits | 40.2% | 31.2% (stronger) |
| Offices | 24 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | — |
Citizens' Bank & Trust Co. has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Chambers Bank leads on 3 and Citizens' Bank & Trust Co. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.