Side-by-side · Q2 2026 data
Chambers Bank vs The Citizens Bank
Metric by metric
| Measure | Chambers Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 76 (stronger) | 39 |
| Loan quality | 92 (stronger) | 88 |
| Earnings | 91 (stronger) | 82 |
| Funding & liquidity | 46 | 67 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 91st | 58th |
| Total assets | $1.6B | $1.6B |
| Deposits / shares | $1.3B | $1.5B |
| Capital ratio | 12.57% (stronger) | 8.87% |
| Problem loans | 0.23% (stronger) | 0.37% |
| Net charge-offs | 0.02% (stronger) | 0.08% |
| Return on assets | 1.76% (stronger) | 1.55% |
| Loans ÷ deposits | 86.7% | 85.2% (stronger) |
| Uninsured deposits | 40.2% | 22.8% (stronger) |
| Offices | 24 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | 13.3% |
Chambers Bank has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Chambers Bank leads on 5 and The Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.